# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-25-084724
**Filing Date:** 2025-8
**Character Count:** 5174502
**Document Hash:** 5d116cc52f73a561472756ecce36f330
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-084724.hdr.sgml**: 20250828

**ACCESSION NUMBER**: 0001104659-25-084724

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

**PUBLIC DOCUMENT COUNT**: 62

**CONFORMED PERIOD OF REPORT**: 20250828

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

**FILED AS OF DATE**: 20250828

**DATE AS OF CHANGE**: 20250828

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 251273061

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

◻ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

  <br> Name and telephone number, including area code, of the person to <br> 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)(1) ◻

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

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

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

Central Index Key Number of depositor: 0002083697

&nbsp;&nbsp;**Verus Securitization Trust 2025-8**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

---

| |
|:---|
| Danny Rosenberg |
| (202) 780-2395 |
| 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 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

[99.1](tm2524220d1_ex99-1.htm) [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2524220d1_ex99-1.htm)

[99.2](tm2524220d1_ex99-2.htm) [AMC Data Compare Report](tm2524220d1_ex99-2.htm)

[99.3](tm2524220d1_ex99-3.htm) [AMC Exception Grades](tm2524220d1_ex99-3.htm)

[99.4](tm2524220d1_ex99-4.htm) [AMC Rating Agency Grades](tm2524220d1_ex99-4.htm)

[99.5](tm2524220d1_ex99-5.htm) [AMC QM-ATR Diligence Report](tm2524220d1_ex99-5.htm)

[99.6](tm2524220d1_ex99-6.htm) [AMC Valuation Report](tm2524220d1_ex99-6.htm)

[99.7](tm2524220d1_ex99-7.htm) [AMC Supplemental Data](tm2524220d1_ex99-7.htm)

[99.8](tm2524220d1_ex99-8.htm) [AMC Tax and Title Report](tm2524220d1_ex99-8.htm)

[99.9](tm2524220d1_ex99-9.htm) [AMC Multi Property Valuation Report](tm2524220d1_ex99-9.htm)

[99.10](tm2524220d1_ex99-10.htm) [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2524220d1_ex99-10.htm)

[99.11](tm2524220d1_ex99-11.htm) [Canopy Exceptions Report](tm2524220d1_ex99-11.htm)

[99.12](tm2524220d1_ex99-12.htm) [Canopy Rating Agency Grades](tm2524220d1_ex99-12.htm)

[99.13](tm2524220d1_ex99-13.htm) [Canopy Data Compare](tm2524220d1_ex99-13.htm)

[99.14](tm2524220d1_ex99-14.htm) [Canopy ATR QM Report](tm2524220d1_ex99-14.htm)

[99.15](tm2524220d1_ex99-15.htm) [Canopy Valuation Report](tm2524220d1_ex99-15.htm)

[99.16](tm2524220d1_ex99-16.htm) [Clarifii LLC ("Clarifii") Executive Summary](tm2524220d1_ex99-16.htm)

[99.17](tm2524220d1_ex99-17.htm) [Clarifii Rating Agency Grades Detail Report](tm2524220d1_ex99-17.htm)

[99.18](tm2524220d1_ex99-18.htm) [Clarifii Rating Agency Grades Summary Report](tm2524220d1_ex99-18.htm)

[99.19](tm2524220d1_ex99-19.htm) [Clarifii Data Compare Report](tm2524220d1_ex99-19.htm)

[99.20](tm2524220d1_ex99-20.htm) [Clarifii ATR QM Report](tm2524220d1_ex99-20.htm)

[99.21](tm2524220d1_ex99-21.htm) [Clarifii Valuation Report](tm2524220d1_ex99-21.htm)

[99.22](tm2524220d1_ex99-22.htm) [Clarifii Multi Property Valuation Report](tm2524220d1_ex99-22.htm)

[99.23](tm2524220d1_ex99-23.htm) [Selene Diligence LLC ("Selene") Due Diligence Review Narrative](tm2524220d1_ex99-23.htm)

[99.24](tm2524220d1_ex99-24.htm) [Selene Rating Agency Grades Detail Report](tm2524220d1_ex99-24.htm)

[99.25](tm2524220d1_ex99-25.htm) [Selene Rating Agency Grades Report](tm2524220d1_ex99-25.htm)

[99.26](tm2524220d1_ex99-26.htm) [Selene Data Compare Report](tm2524220d1_ex99-26.htm)

[99.27](tm2524220d1_ex99-27.htm) [Selene ATR QM Detail](tm2524220d1_ex99-27.htm)

[99.28](tm2524220d1_ex99-28.htm) [Selene Valuations Report](tm2524220d1_ex99-28.htm)

[99.29](tm2524220d1_ex99-29.htm) [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2524220d1_ex99-29.htm)

[99.30](tm2524220d1_ex99-30.htm) [Clayton Conditions Report](tm2524220d1_ex99-30.htm)

[99.31](tm2524220d1_ex99-31.htm) [Clayton Loan Level Tape Compare Upload](tm2524220d1_ex99-31.htm)

[99.32](tm2524220d1_ex99-32.htm) [Clayton Non ATR QM Upload](tm2524220d1_ex99-32.htm)

[99.33](tm2524220d1_ex99-33.htm) [Clayton Rating Agency Grades Report](tm2524220d1_ex99-33.htm)

[99.34](tm2524220d1_ex99-34.htm) [Clayton Valuations Summary](tm2524220d1_ex99-34.htm)

[99.35](tm2524220d1_ex99-35.htm) [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm2524220d1_ex99-35.htm)

[99.36](tm2524220d1_ex99-36.htm) [Evolve Exception Detail](tm2524220d1_ex99-36.htm)

[99.37](tm2524220d1_ex99-37.htm) [Evolve Rating Agency Grades](tm2524220d1_ex99-37.htm)

[99.38](tm2524220d1_ex99-38.htm) [Evolve Data Compare](tm2524220d1_ex99-38.htm)

[99.39](tm2524220d1_ex99-39.htm) [Evolve QM ATR Data](tm2524220d1_ex99-39.htm)

[99.40](tm2524220d1_ex99-40.htm) [Evolve Valuation Report](tm2524220d1_ex99-40.htm)

**SIGNATURE**

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.

Date: August 28, 2025

---

| | | |
|:---|:---|:---|
| VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC |
| By: | /s/ Danny Rosenberg | /s/ Danny Rosenberg |
|  | Name: | Danny Rosenberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**AMC Diligence, LLC ("AMC") Due Diligence Executive Summary**

![](tm2524220d1_amcdililogo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from August 2024 through July 2025 on Loans with origination dates from March 2023 through July 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained three hundred ninety-four (394) Loans totaling an aggregate original principal balance of approximately $199.238 million (the "Loans").

**(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), Kroll Bond Rating Agency, LLC ("Kroll") and S&P Global Ratings ("S&P").

**(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 mortgage 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;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original HLTV |  |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original Interest Rate |  |

---

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

1 \| P a g e

![](tm2524220d1_amcdililogo.jpg)

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

Of specific note, there were two hundred seventeen (217) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, eleven (11) Loans utilized twenty-four (24) or more months of bank statements, ninety-three (93) Loans utilized twelve (12) through twenty-three (23) months of bank statements, and thirty-seven (37) Loans utilized twelve (12) months of P&L income. There were four (4) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with seven (7) Loans only having 12 months of income verification.

There were one hundred seventy-seven (177) Loans that were considered Business Purpose/Property Focused Investor Loans. All one hundred seventy-seven (177) Loans have a DSCR calculation.

**<u>CREDIT AND COMPLIANCE SCOPE:</u>**

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt-to-income ratio as appropriate.

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

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

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

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

2 \| P a g e

![](tm2524220d1_amcdililogo.jpg)

**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, 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 adherence to the credit policy.

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

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

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

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

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

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

3 \| P a g e

![](tm2524220d1_amcdililogo.jpg)

▪ 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 completed fields and verifying that the handwritten 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.

▪ Gathering the components of the DSCR from source
documentation provided in the loan file during the course of the review. Where applicable, AMC sums per the guidelines the principal and
interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income as per the guidelines.

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

---

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

---

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (viii) 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.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

&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> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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*<u>Qualified Mortgage</u>*

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

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

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

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

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For the 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 are reflected in the reports.

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

 **<u>(8) Other: review and methodology.</u>**

**<u>Title Review</u>**

As requested by the Client, a title review was included in AMC's scope of review. To facilitate this review, the Client provided AMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, AMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, AMC identified whether the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. AMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

**(9) Disclaimer.**

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

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

**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, Kroll and S&P.

**OVERALL REVIEW RESULTS SUMMARY**

Of the three hundred ninety-four (394) Loans reviewed under the applicable Kroll grading criteria, three hundred ninety-one (391) Loans or (99.24%) received an overall "A" or "B" grade, and three (3) Loans (0.76%) received a "C" grade because of TRID/Compliance exceptions.

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Overall Loan Grades** | &nbsp;&nbsp;**Kroll Overall Loan Grades** | &nbsp;&nbsp;**Kroll Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;208 | &nbsp;&nbsp;52.79% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;183 | &nbsp;&nbsp;46.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** |

---

Of the three hundred ninety-four (394) Loans reviewed under the applicable S&P grading criteria, three hundred ninety-one (391) Loans or (99.24%) received an overall "A" or "B" grade, and three (3) Loans (0.76%) received a "C" grade because of TRID/Compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;204 | &nbsp;&nbsp;51.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;187 | &nbsp;&nbsp;47.46% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two hundred seventeen (217) Loans reviewed for compliance, two hundred fourteen (214) Loans or (98.62%) received an "A" or "B" compliance grade, and three (3) Loans or (1.38%) received a "C" grade because of TRID/Compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Kroll & S&P **Compliance Loan Grades** | &nbsp;&nbsp;Kroll & S&P **Compliance Loan Grades** | &nbsp;&nbsp;Kroll & S&P **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;136 | &nbsp;&nbsp;62.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;78 | &nbsp;&nbsp;35.94% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All three hundred ninety-four (394) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Kroll & S&P **Credit Loan Grades** | &nbsp;&nbsp;Kroll & S&P **Credit Loan Grades** | &nbsp;&nbsp;Kroll & S&P **Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;260 | &nbsp;&nbsp;65.99% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;134 | &nbsp;&nbsp;34.01% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All three hundred ninety-four (394) Loans (100%) reviewed under the applicable Kroll grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Property Loan Grades** | &nbsp;&nbsp;**Kroll Property Loan Grades** | &nbsp;&nbsp;**Kroll Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;389 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** |

---

All three hundred ninety-four (394) Loans (100%) reviewed under the applicable S&P's grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;378 | &nbsp;&nbsp;95.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;4.06% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &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 <br> Type** | &nbsp;&nbsp;**Kroll Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;87 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Other TILA Violations | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***166*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**174** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***167*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**167** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;5 |
| &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;**346** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;87 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Other TILA Violations | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***166*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**174** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***167*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**167** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp; ***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**16** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**357** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred ninety-four (394) Loans reviewed, three hundred eighty-six (386) unique Loans had one thousand three hundred fifty-eight (1,358) different tape discrepancies across forty-one (41) data fields (some Loans had more than one data delta). The largest variances were found on Original HLTV, Cash From Borrower, and Cash To Borrower where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;379 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;24 | &nbsp;&nbsp;358 | &nbsp;&nbsp;6.70% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;385 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;42 | &nbsp;&nbsp;361 | &nbsp;&nbsp;11.63% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;386 | &nbsp;&nbsp;1.55% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;21 | &nbsp;&nbsp;283 | &nbsp;&nbsp;7.42% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;112 | &nbsp;&nbsp;393 | &nbsp;&nbsp;28.50% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;279 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;194 | &nbsp;&nbsp;351 | &nbsp;&nbsp;55.27% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;148 | &nbsp;&nbsp;170 | &nbsp;&nbsp;87.06% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;10 | &nbsp;&nbsp;394 | &nbsp;&nbsp;2.54% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;15 | &nbsp;&nbsp;202 | &nbsp;&nbsp;7.43% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;173 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;49 | &nbsp;&nbsp;229 | &nbsp;&nbsp;21.40% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;383 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;4 | &nbsp;&nbsp;89 | &nbsp;&nbsp;4.49% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;74 | &nbsp;&nbsp;217 | &nbsp;&nbsp;34.10% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;392 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;31 | &nbsp;&nbsp;19.35% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;17 | &nbsp;&nbsp;30 | &nbsp;&nbsp;56.67% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;389 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;21 | &nbsp;&nbsp;375 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;345 | &nbsp;&nbsp;350 | &nbsp;&nbsp;98.57% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;394 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;394 | &nbsp;&nbsp;2.79% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;377 | &nbsp;&nbsp;4.77% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;386 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;3 | &nbsp;&nbsp;146 | &nbsp;&nbsp;2.05% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;350 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;98 | &nbsp;&nbsp;376 | &nbsp;&nbsp;26.06% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;392 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;175 | &nbsp;&nbsp;5.14% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;40 | &nbsp;&nbsp;391 | &nbsp;&nbsp;10.23% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;394 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;28 | &nbsp;&nbsp;394 | &nbsp;&nbsp;7.11% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;21 | &nbsp;&nbsp;394 | &nbsp;&nbsp;5.33% | &nbsp;&nbsp;394 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1358** | &nbsp;&nbsp;**11314** | &nbsp;&nbsp;**12.00%** | &nbsp;&nbsp;**394** |

---

16 \| P a g e

![](tm2524220d1_amcdililogo.jpg)

**SitusAMC TITLE REVIEW SUMMARY (11 Mortgage Loan)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on eleven (11) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no potential issues concerning origination
deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Super Position HOA Liens recorded
after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Municipal Liens which had limited
or full lien priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Property Tax Liens which had limited
or full lien priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Liens identified in our review have
been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Mortgages identified in our review
have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As to any Miscellaneous Items of substance, the
items in this category typically defy standard categorization or summarization and are individually detailed.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;389 | &nbsp;&nbsp;98.73% | &nbsp;&nbsp;$196558199.00 | &nbsp;&nbsp;98.65% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$2680225.00 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199238424.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;344 | &nbsp;&nbsp;87.31% | &nbsp;&nbsp;$188007592.00 | &nbsp;&nbsp;94.36% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;50 | &nbsp;&nbsp;12.69% | &nbsp;&nbsp;$11230832.00 | &nbsp;&nbsp;5.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199238424.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;167 | &nbsp;&nbsp;42.39% | &nbsp;&nbsp;$72536787.00 | &nbsp;&nbsp;36.41% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;52 | &nbsp;&nbsp;13.20% | &nbsp;&nbsp;$31454794.00 | &nbsp;&nbsp;15.79% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;152 | &nbsp;&nbsp;38.58% | &nbsp;&nbsp;$82542828.00 | &nbsp;&nbsp;41.43% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;23 | &nbsp;&nbsp;5.84% | &nbsp;&nbsp;$12704015.00 | &nbsp;&nbsp;6.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199238424.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$669000.00 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$164000.00 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;383 | &nbsp;&nbsp;97.21% | &nbsp;&nbsp;$196319324.00 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.02% | &nbsp;&nbsp;$2086100.00 | &nbsp;&nbsp;1.05% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199238424.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](tm2524220d1_amcdililogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;211 | &nbsp;&nbsp;53.55% | &nbsp;&nbsp;$114023366.00 | &nbsp;&nbsp;57.23% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;28 | &nbsp;&nbsp;7.11% | &nbsp;&nbsp;$9488929.00 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.28% | &nbsp;&nbsp;$6515211.00 | &nbsp;&nbsp;3.27% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$1073510.00 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;90 | &nbsp;&nbsp;22.84% | &nbsp;&nbsp;$44370113.00 | &nbsp;&nbsp;22.27% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% | &nbsp;&nbsp;$182000.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.54% | &nbsp;&nbsp;$3590990.00 | &nbsp;&nbsp;1.80% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;25 | &nbsp;&nbsp;6.35% | &nbsp;&nbsp;$10440930.00 | &nbsp;&nbsp;5.24% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.54% | &nbsp;&nbsp;$6196675.00 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$692000.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$1606500.00 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$1058200.00 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199238424.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;174 | &nbsp;&nbsp;44.16% | &nbsp;&nbsp;$105749032.00 | &nbsp;&nbsp;53.08% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;206 | &nbsp;&nbsp;52.28% | &nbsp;&nbsp;$84200338.00 | &nbsp;&nbsp;42.26% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.55% | &nbsp;&nbsp;$9289054.00 | &nbsp;&nbsp;4.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199238424.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm2524220d1_ex99-2img001.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 817216 | xxxxxx | Cash To Borrower | 135000.00 | 146543.03 | Verified | Field value reflects source document |
| xxxxxx | 817216 | xxxxxx | Original HLTV | 0 | 8.33333 | Verified | Field value reflects source document |
| xxxxxx | 819427 | xxxxxx | Cash To Borrower | 246200.00 | 133872.76 | Verified | Field value reflects source document |
| xxxxxx | 819427 | xxxxxx | Original HLTV | 0 | 26.30744 | Verified | Field value reflects source document |
| xxxxxx | 822312 | xxxxxx | Cash To Borrower | 100001.00 | 38965.98 | Verified | Field value reflects source document |
| xxxxxx | 822312 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 822312 | xxxxxx | Investor: Qualifying Total Debt Ratio | 16.39 | 19.45669 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 822312 | xxxxxx | Original HLTV | 0 | 10.53751 | Verified | Field value reflects source document |
| xxxxxx | 822518 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 822518 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 822518 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 822518 | xxxxxx | Cash To Borrower | 1190316.63 | 693764.94 | Verified | Field value reflects source document |
| xxxxxx | 822518 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.192 | 6.6702 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 822518 | xxxxxx | Original HLTV | 0 | 40.54054 | Verified | Field value reflects source document |
| xxxxxx | 830008 | xxxxxx | Zip | xxxxxx |  | Verified | Field Value reflects Zip per Note |
| xxxxxx | 830008 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830008 | xxxxxx | Representative FICO | 691 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 830382 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830382 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 830382 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 830382 | xxxxxx | Cash To Borrower | 0.00 | 298055.95 | Verified | Field value reflects source document |
| xxxxxx | 830382 | xxxxxx | Original HLTV | 0 | 16.55511 | Verified | Field value reflects source document |
| xxxxxx | 830542 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830542 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 830542 | xxxxxx | Cash To Borrower | 49256.00 | 43792.45 | Verified | Field value reflects source document |
| xxxxxx | 830542 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 830600 | xxxxxx | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 830991 | xxxxxx | Cash To Borrower | 260000.00 | 339075.85 | Verified | Field value reflects source document |
| xxxxxx | 830991 | xxxxxx | Original HLTV | 0 | 36.92308 | Verified | Field value reflects source document |
| xxxxxx | 831614 | xxxxxx | Cash To Borrower | 0.00 | 126388.21 | Verified | Field value reflects source document |
| xxxxxx | 831614 | xxxxxx | Original HLTV | 0 | 41.7 | Verified | Field value reflects source document |
| xxxxxx | 831836 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831836 | xxxxxx | Cash From Borrower | 130976.00 | 121970.76 | Verified | Field value reflects source document |
| xxxxxx | 832841 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832841 | xxxxxx | Cash From Borrower | 0.00 | 311314.22 | Verified | Field value reflects source document |
| xxxxxx | 832841 | xxxxxx | Original HLTV | 0 | 50.41322 | Verified | Field value reflects source document |
| xxxxxx | 832932 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 832932 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832932 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832932 | xxxxxx | Cash To Borrower | 258750.00 | 229334.40 | Verified | Field value reflects source document |
| xxxxxx | 832932 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832934 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832934 | xxxxxx | Original Interest Rate | 7.125 | 7 | Verified | Field Value reflects the Note value |
| xxxxxx | 832934 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832934 | xxxxxx | Cash To Borrower | 91000.00 | 93252.55 | Verified | Field value reflects source document |
| xxxxxx | 832934 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 833043 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833043 | xxxxxx | Cash To Borrower | 176260.37 | 78937.81 | Verified | Field value reflects source document |
| xxxxxx | 833043 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833143 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833569 | xxxxxx | Cash To Borrower | 260000.00 | 24962.77 | Verified | Field value reflects source document |
| xxxxxx | 833569 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.113 | 51.36315 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 833569 | xxxxxx | Original HLTV | 0 | 71.42857 | Verified | Field value reflects source document |
| xxxxxx | 833594 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833594 | xxxxxx | Cash To Borrower | 210336.00 | 199874.55 | Verified | Field value reflects source document |
| xxxxxx | 833594 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.55 | 32.01672 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833594 | xxxxxx | Original HLTV | 0 | 29.01186 | Verified | Field value reflects source document |
| xxxxxx | 833733 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833733 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833733 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833733 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 833733 | xxxxxx | Cash From Borrower | 0.00 | 249324.36 | Verified | Field value reflects source document |
| xxxxxx | 833733 | xxxxxx | Original HLTV | 0 | 68.6 | Verified | Field value reflects source document |
| xxxxxx | 833779 | xxxxxx | Property Type | 4 Family | Mixed Use | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833779 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833941 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833941 | xxxxxx | Cash To Borrower | 17934.00 | 16151.23 | Verified | Field value reflects source document |
| xxxxxx | 833941 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833953 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833953 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833953 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 833953 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833953 | xxxxxx | Cash From Borrower | 0.00 | 93129.07 | Verified | Field value reflects source document |
| xxxxxx | 833953 | xxxxxx | Original HLTV | 0 | 78.5 | Verified | Field value reflects source document |
| xxxxxx | 834043 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834043 | xxxxxx | Cash To Borrower | 292500.00 | 277869.73 | Verified | Field value reflects source document |
| xxxxxx | 834043 | xxxxxx | Original HLTV | 0 | 58.5 | Verified | Field value reflects source document |
| xxxxxx | 834107 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834107 | xxxxxx | Cash From Borrower | 0.00 | 121603.77 | Verified | Field value reflects source document |
| xxxxxx | 834107 | xxxxxx | Original HLTV | 0 | 74.93976 | Verified | Field value reflects source document |
| xxxxxx | 834220 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834220 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834220 | xxxxxx | Cash To Borrower | 112000.00 | 112425.85 | Verified | Field value reflects source document |
| xxxxxx | 834220 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834292 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834292 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 834292 | xxxxxx | Cash To Borrower | 212444.00 | 227976.15 | Verified | Field value reflects source document |
| xxxxxx | 834292 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30 | 33.92632 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834292 | xxxxxx | Original HLTV | 0 | 31.42857 | Verified | Field value reflects source document |
| xxxxxx | 834336 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834336 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 834336 | xxxxxx | Original CLTV | 70.95023 | 69.36652 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 834336 | xxxxxx | Original LTV | 70.95023 | 69.36652 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834336 | xxxxxx | Original HLTV | 0 | 69.36652 | Verified | Field value reflects source document |
| xxxxxx | 834395 | xxxxxx | Cash From Borrower | 0.00 | 103749.51 | Verified | Field value reflects source document |
| xxxxxx | 834395 | xxxxxx | Original HLTV | 0 | 62.5 | Verified | Field value reflects source document |
| xxxxxx | 834424 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834424 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834424 | xxxxxx | Cash To Borrower | 218256.84 | 216832.18 | Verified | Field value reflects source document |
| xxxxxx | 834424 | xxxxxx | Original HLTV | 0 | 49.78355 | Verified | Field value reflects source document |
| xxxxxx | 834440 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834440 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834440 | xxxxxx | Cash To Borrower | 88371.51 | 51762.04 | Verified | Field value reflects source document |
| xxxxxx | 834440 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834491 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 834491 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834491 | xxxxxx | Cash To Borrower | 331857.87 | 267458.68 | Verified | Field value reflects source document |
| xxxxxx | 834491 | xxxxxx | Original CLTV | 35 | 50 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 834491 | xxxxxx | Original LTV | 35 | 50 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834491 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 834501 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834501 | xxxxxx | Cash From Borrower | 0.00 | 299424.73 | Verified | Field value reflects source document |
| xxxxxx | 834501 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 834871 | xxxxxx | Cash To Borrower | 314.96 | 47200.98 | Verified | Field value reflects source document |
| xxxxxx | 834871 | xxxxxx | Original HLTV | 0 | 23.16327 | Verified | Field value reflects source document |
| xxxxxx | 834917 | xxxxxx | Cash To Borrower | 150307.60 | 170673.49 | Verified | Field value reflects source document |
| xxxxxx | 834917 | xxxxxx | Original HLTV | 0 | 47.10327 | Verified | Field value reflects source document |
| xxxxxx | 834966 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834966 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 834966 | xxxxxx | Cash From Borrower | 0.00 | 63058.58 | Verified | Field value reflects source document |
| xxxxxx | 834966 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835122 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835122 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 835122 | xxxxxx | Cash To Borrower | 0.00 | 498999.81 | Verified | Field value reflects source document |
| xxxxxx | 835122 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.45 | 53.32522 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835122 | xxxxxx | Original HLTV | 0 | 63.94231 | Verified | Field value reflects source document |
| xxxxxx | 835221 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835221 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835221 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835221 | xxxxxx | Cash To Borrower | 390316.00 | 381200.39 | Verified | Field value reflects source document |
| xxxxxx | 835221 | xxxxxx | Original HLTV | 0 | 33.89831 | Verified | Field value reflects source document |
| xxxxxx | 835237 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 835237 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835237 | xxxxxx | Cash To Borrower | 164779.90 | 154541.51 | Verified | Field value reflects source document |
| xxxxxx | 835237 | xxxxxx | Original HLTV | 0 | 59.09091 | Verified | Field value reflects source document |
| xxxxxx | 835243 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835243 | xxxxxx | Representative FICO | 732 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835243 | xxxxxx | Cash From Borrower | 0.00 | 1660.72 | Verified | Field value reflects source document |
| xxxxxx | 835243 | xxxxxx | Original HLTV | 0 | 27.37113 | Verified | Field value reflects source document |
| xxxxxx | 835251 | xxxxxx | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835252 | xxxxxx | Cash To Borrower | 0.00 | 1857.47 | Verified | Field value reflects source document |
| xxxxxx | 835252 | xxxxxx | Original HLTV | 0 | 54.16 | Verified | Field value reflects source document |
| xxxxxx | 835305 | xxxxxx | Cash To Borrower | 119855.36 | 136622.56 | Verified | Field value reflects source document |
| xxxxxx | 835305 | xxxxxx | Original HLTV | 0 | 50.36567 | Verified | Field value reflects source document |
| xxxxxx | 835323 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835323 | xxxxxx | Cash To Borrower | 210000.00 | 197816.86 | Verified | Field value reflects source document |
| xxxxxx | 835323 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.985 | 39.36451 | Verified | Within tolerance. |
| xxxxxx | 835323 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835325 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835325 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835325 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 835325 | xxxxxx | Cash From Borrower | 0.00 | 63756.68 | Verified | Field value reflects source document |
| xxxxxx | 835325 | xxxxxx | Original HLTV | 0 | 79.19667 | Verified | Field value reflects source document |
| xxxxxx | 835394 | xxxxxx | Cash To Borrower | 339898.00 | 340337.95 | Verified | Field value reflects source document |
| xxxxxx | 835394 | xxxxxx | Original HLTV | 0 | 35.27638 | Verified | Field value reflects source document |
| xxxxxx | 835398 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835398 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835398 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 835398 | xxxxxx | Cash From Borrower | 0.00 | 164127.00 | Verified | Field value reflects source document |
| xxxxxx | 835398 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835426 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835426 | xxxxxx | Cash From Borrower | 0.00 | 257768.05 | Verified | Field value reflects source document |
| xxxxxx | 835426 | xxxxxx | Original HLTV | 0 | 60.32787 | Verified | Field value reflects source document |
| xxxxxx | 835432 | xxxxxx | Cash To Borrower | 0.00 | 104033.28 | Verified | Field value reflects source document |
| xxxxxx | 835432 | xxxxxx | Original HLTV | 0 | 28.19237 | Verified | Field value reflects source document |
| xxxxxx | 835451 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835464 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835464 | xxxxxx | Contract Sales Price |  | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 835464 | xxxxxx | Cash From Borrower | 0.00 | 1542.79 | Verified | Field value reflects source document |
| xxxxxx | 835464 | xxxxxx | Original HLTV | 0 | 50.38168 | Verified | Field value reflects source document |
| xxxxxx | 835508 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835508 | xxxxxx | Cash From Borrower | 0.00 | 59048.92 | Verified | Field value reflects source document |
| xxxxxx | 835508 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835515 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835515 | xxxxxx | Cash To Borrower | 80000.00 | 143944.36 | Verified | Field value reflects source document |
| xxxxxx | 835515 | xxxxxx | Original HLTV | 0 | 59.96364 | Verified | Field value reflects source document |
| xxxxxx | 835625 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835639 | xxxxxx | Cash From Borrower | 0.00 | 81941.53 | Verified | Field value reflects source document |
| xxxxxx | 835639 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835646 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835646 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835646 | xxxxxx | Cash To Borrower | 233000.00 | 222396.03 | Verified | Field value reflects source document |
| xxxxxx | 835646 | xxxxxx | Original HLTV | 0 | 65.6338 | Verified | Field value reflects source document |
| xxxxxx | 835648 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835648 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 835648 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835648 | xxxxxx | Cash To Borrower | 245272.00 | 245160.41 | Verified | Field value reflects source document |
| xxxxxx | 835648 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835649 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835781 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835781 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835781 | xxxxxx | Cash To Borrower | 482740.00 | 477169.43 | Verified | Field value reflects source document |
| xxxxxx | 835781 | xxxxxx | Original HLTV | 0 | 20.87683 | Verified | Field value reflects source document |
| xxxxxx | 835783 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 835783 | xxxxxx | Representative FICO | 732 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835783 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 835783 | xxxxxx | Cash To Borrower | 87429.42 | 89071.09 | Verified | Field value reflects source document |
| xxxxxx | 835783 | xxxxxx | Original HLTV | 0 | 58.47953 | Verified | Field value reflects source document |
| xxxxxx | 835979 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835979 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835979 | xxxxxx | Cash To Borrower | 230000.00 | 226111.38 | Verified | Field value reflects source document |
| xxxxxx | 835979 | xxxxxx | Original HLTV | 0 | 37.7551 | Verified | Field value reflects source document |
| xxxxxx | 836086 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836086 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836086 | xxxxxx | Cash To Borrower | 0.00 | 4806.22 | Verified | Field value reflects source document |
| xxxxxx | 836086 | xxxxxx | Original HLTV | 0 | 35.50725 | Verified | Field value reflects source document |
| xxxxxx | 836157 | xxxxxx | Cash From Borrower | 0.00 | 75936.04 | Verified | Field value reflects source document |
| xxxxxx | 836157 | xxxxxx | Original HLTV | 0 | 74 | Verified | Field value reflects source document |
| xxxxxx | 836179 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836179 | xxxxxx | Cash From Borrower | 0.00 | 209493.51 | Verified | Field value reflects source document |
| xxxxxx | 836179 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836218 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836218 | xxxxxx | Cash To Borrower | 1000000.00 | 958930.22 | Verified | Field value reflects source document |
| xxxxxx | 836218 | xxxxxx | Original HLTV | 0 | 49.30966 | Verified | Field value reflects source document |
| xxxxxx | 836255 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836255 | xxxxxx | Cash From Borrower | 0.00 | 281941.27 | Verified | Field value reflects source document |
| xxxxxx | 836255 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 836296 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836296 | xxxxxx | Representative FICO | 756 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836296 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836296 | xxxxxx | Cash To Borrower | 189979.75 | 189994.75 | Verified | Field value reflects source document |
| xxxxxx | 836296 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 836296 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.88 | 37.2805 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836296 | xxxxxx | Original HLTV | 0 | 41.50359 | Verified | Field value reflects source document |
| xxxxxx | 836310 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836310 | xxxxxx | Original Term | 360 | 180 | Verified | Field Value reflects the Note value |
| xxxxxx | 836310 | xxxxxx | Cash To Borrower | 82187.00 | 77880.10 | Verified | Field value reflects source document |
| xxxxxx | 836310 | xxxxxx | Original HLTV | 0 | 15.20377 | Verified | Field value reflects source document |
| xxxxxx | 836321 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836321 | xxxxxx | Cash From Borrower | 0.00 | 116119.33 | Verified | Field value reflects source document |
| xxxxxx | 836321 | xxxxxx | Original HLTV | 0 | 66.5625 | Verified | Field value reflects source document |
| xxxxxx | 836337 | xxxxxx | Cash To Borrower | 67529.00 | 96683.24 | Verified | Field value reflects source document |
| xxxxxx | 836337 | xxxxxx | Investor: Qualifying Total Debt Ratio | 18.54 | 28.56116 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836337 | xxxxxx | Original HLTV | 0 | 68.54545 | Verified | Field value reflects source document |
| xxxxxx | 836405 | xxxxxx | Cash From Borrower | 0.00 | 98440.27 | Verified | Field value reflects source document |
| xxxxxx | 836405 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836415 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836415 | xxxxxx | Cash From Borrower | 0.00 | 215598.70 | Verified | Field value reflects source document |
| xxxxxx | 836415 | xxxxxx | Original HLTV | 0 | 69.99901 | Verified | Field value reflects source document |
| xxxxxx | 836418 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836418 | xxxxxx | Contract Sales Price |  | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836418 | xxxxxx | Cash To Borrower | 313300.00 | 293365.81 | Verified | Field value reflects source document |
| xxxxxx | 836418 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836422 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836422 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836422 | xxxxxx | Cash To Borrower | 80000.00 | 39499.38 | Verified | Field value reflects source document |
| xxxxxx | 836422 | xxxxxx | Original HLTV | 0 | 13.33333 | Verified | Field value reflects source document |
| xxxxxx | 836440 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836440 | xxxxxx | Cash From Borrower | 0.00 | 269.25 | Verified | Field value reflects source document |
| xxxxxx | 836440 | xxxxxx | Original HLTV | 0 | 74 | Verified | Field value reflects source document |
| xxxxxx | 836542 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836542 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836542 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 836542 | xxxxxx | Cash From Borrower | 0.00 | 14748.74 | Verified | Field value reflects source document |
| xxxxxx | 836542 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836544 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836544 | xxxxxx | Cash From Borrower | 0.00 | 298816.69 | Verified | Field value reflects source document |
| xxxxxx | 836544 | xxxxxx | Original HLTV | 0 | 58.1787 | Verified | Field value reflects source document |
| xxxxxx | 836570 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836570 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836570 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836570 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836570 | xxxxxx | Cash To Borrower | 399000.00 | 371629.21 | Verified | Field value reflects source document |
| xxxxxx | 836570 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 836587 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836587 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836587 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836587 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836587 | xxxxxx | Original CLTV | 70 | 68.40909 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 836587 | xxxxxx | Original LTV | 70 | 68.40909 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 836587 | xxxxxx | Cash From Borrower | 0.00 | 76943.72 | Verified | Field value reflects source document |
| xxxxxx | 836587 | xxxxxx | Original HLTV | 0 | 68.40909 | Verified | Field value reflects source document |
| xxxxxx | 836635 | xxxxxx | Cash From Borrower | 0.00 | 476.10 | Verified | Field value reflects source document |
| xxxxxx | 836635 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.407 | 49.94504 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836635 | xxxxxx | Original HLTV | 0 | 54.78205 | Verified | Field value reflects source document |
| xxxxxx | 836665 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836665 | xxxxxx | Cash From Borrower | 0.00 | 89634.49 | Verified | Field value reflects source document |
| xxxxxx | 836665 | xxxxxx | Original HLTV | 0 | 77.21589 | Verified | Field value reflects source document |
| xxxxxx | 836684 | xxxxxx | Cash To Borrower | 138978.27 | 129810.15 | Verified | Field value reflects source document |
| xxxxxx | 836684 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836701 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836701 | xxxxxx | Cash From Borrower | 0.00 | 3896.43 | Verified | Field value reflects source document |
| xxxxxx | 836701 | xxxxxx | Original HLTV | 0 | 51.21951 | Verified | Field value reflects source document |
| xxxxxx | 836702 | xxxxxx | Cash From Borrower | 0.00 | 4164.51 | Verified | Field value reflects source document |
| xxxxxx | 836702 | xxxxxx | Original HLTV | 0 | 69.80769 | Verified | Field value reflects source document |
| xxxxxx | 836723 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836723 | xxxxxx | Representative FICO | 687 | 696 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836723 | xxxxxx | Cash From Borrower | 0.00 | 58301.04 | Verified | Field value reflects source document |
| xxxxxx | 836723 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 836753 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836753 | xxxxxx | Cash To Borrower | 97000.00 | 81964.46 | Verified | Field value reflects source document |
| xxxxxx | 836753 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836759 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836759 | xxxxxx | Representative FICO | 712 | 696 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836759 | xxxxxx | Cash From Borrower | 0.00 | 339489.16 | Verified | Field value reflects source document |
| xxxxxx | 836759 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836771 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836771 | xxxxxx | Cash To Borrower | 206500.00 | 198522.28 | Verified | Field value reflects source document |
| xxxxxx | 836771 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836793 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836793 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836793 | xxxxxx | Cash From Borrower | 0.00 | 64822.72 | Verified | Field value reflects source document |
| xxxxxx | 836793 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836804 | xxxxxx | Cash To Borrower | 16974.80 | 6501.15 | Verified | Field value reflects source document |
| xxxxxx | 836804 | xxxxxx | Original HLTV | 0 | 16.16766 | Verified | Field value reflects source document |
| xxxxxx | 836861 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836861 | xxxxxx | Borrower Citizenship | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 836861 | xxxxxx | Coborrower Citizenship | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 836869 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836869 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836869 | xxxxxx | Cash From Borrower | 0.00 | 379903.97 | Verified | Field value reflects source document |
| xxxxxx | 836869 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42 | 14.51689 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836869 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836907 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836907 | xxxxxx | Cash To Borrower | 476037.35 | 473423.32 | Verified | Field value reflects source document |
| xxxxxx | 836907 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 836920 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836920 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836920 | xxxxxx | Cash To Borrower | 800000.00 | 725180.06 | Verified | Field value reflects source document |
| xxxxxx | 836920 | xxxxxx | Original HLTV | 0 | 49.23077 | Verified | Field value reflects source document |
| xxxxxx | 836921 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836921 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 836921 | xxxxxx | Cash From Borrower | 0.00 | 6189.42 | Verified | Field value reflects source document |
| xxxxxx | 836921 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836942 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836942 | xxxxxx | Cash From Borrower | 0.00 | 252330.20 | Verified | Field value reflects source document |
| xxxxxx | 836942 | xxxxxx | Original HLTV | 0 | 45.12195 | Verified | Field value reflects source document |
| xxxxxx | 836976 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836976 | xxxxxx | Representative FICO | 702 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836976 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836976 | xxxxxx | Cash From Borrower | 0.00 | 348992.09 | Verified | Field value reflects source document |
| xxxxxx | 836976 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836981 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836981 | xxxxxx | Cash From Borrower | 0.00 | 686096.72 | Verified | Field value reflects source document |
| xxxxxx | 836981 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 837034 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837034 | xxxxxx | Cash From Borrower | 0.00 | 186456.48 | Verified | Field value reflects source document |
| xxxxxx | 837034 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837041 | xxxxxx | Cash From Borrower | 0.00 | 592351.85 | Verified | Field value reflects source document |
| xxxxxx | 837041 | xxxxxx | Original HLTV | 0 | 55 | Verified | Field value reflects source document |
| xxxxxx | 837055 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 837055 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837055 | xxxxxx | Cash To Borrower | 108313.73 | 100333.83 | Verified | Field value reflects source document |
| xxxxxx | 837055 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837071 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837071 | xxxxxx | Cash To Borrower | 7435.46 | 124926.64 | Verified | Field value reflects source document |
| xxxxxx | 837071 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 837096 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837096 | xxxxxx | Cash To Borrower | 384480.52 | 486560.75 | Verified | Field value reflects source document |
| xxxxxx | 837096 | xxxxxx | Original HLTV | 0 | 39.52569 | Verified | Field value reflects source document |
| xxxxxx | 837152 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 837152 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837152 | xxxxxx | Cash To Borrower | 323700.00 | 319162.02 | Verified | Field value reflects source document |
| xxxxxx | 837152 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837180 | xxxxxx | Cash To Borrower | 187666.36 | 178525.24 | Verified | Field value reflects source document |
| xxxxxx | 837180 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837231 | xxxxxx | Cash From Borrower | 0.00 | 105069.66 | Verified | Field value reflects source document |
| xxxxxx | 837231 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837240 | xxxxxx | Cash To Borrower | 125000.00 | 103882.59 | Verified | Field value reflects source document |
| xxxxxx | 837240 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.071 | 25.58781 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837240 | xxxxxx | Original HLTV | 0 | 32.09677 | Verified | Field value reflects source document |
| xxxxxx | 837252 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837252 | xxxxxx | Cash From Borrower | 0.00 | 354000.00 | Verified | Field value reflects source document |
| xxxxxx | 837252 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837308 | xxxxxx | Representative FICO | 722 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837308 | xxxxxx | Cash To Borrower | 100703.00 | 115362.34 | Verified | Field value reflects source document |
| xxxxxx | 837308 | xxxxxx | Original CLTV | 16.28088 | 54.69694 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 837308 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.27 | 47.68204 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837308 | xxxxxx | Original HLTV | 0 | 16.08 | Verified | Field value reflects source document |
| xxxxxx | 837341 | xxxxxx | Cash From Borrower | 0.00 | 314571.18 | Verified | Field value reflects source document |
| xxxxxx | 837341 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 837342 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837342 | xxxxxx | Representative FICO | 798 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837342 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837342 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837342 | xxxxxx | Cash From Borrower | 0.00 | 120164.35 | Verified | Field value reflects source document |
| xxxxxx | 837342 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837482 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837482 | xxxxxx | Cash To Borrower | 120000.00 | 53491.05 | Verified | Field value reflects source document |
| xxxxxx | 837482 | xxxxxx | Original CLTV | 33.95535 | 45.69271 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837482 | xxxxxx | Original LTV | 17.5325 | 23.69425 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837482 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.09 | 29.40869 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837482 | xxxxxx | Original HLTV | 0 | 23.69425 | Verified | Field value reflects source document |
| xxxxxx | 837492 | xxxxxx | Cash From Borrower | 0.00 | 54987.35 | Verified | Field value reflects source document |
| xxxxxx | 837492 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837496 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837496 | xxxxxx | Representative FICO | 806 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 837496 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837496 | xxxxxx | Cash From Borrower | 0.00 | 227042.52 | Verified | Field value reflects source document |
| xxxxxx | 837496 | xxxxxx | Original HLTV | 0 | 79.0055 | Verified | Field value reflects source document |
| xxxxxx | 837520 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837520 | xxxxxx | Contract Sales Price |  | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 837520 | xxxxxx | Cash To Borrower | 240000.00 | 229451.94 | Verified | Field value reflects source document |
| xxxxxx | 837520 | xxxxxx | Original HLTV | 0 | 54.44444 | Verified | Field value reflects source document |
| xxxxxx | 837540 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837540 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837540 | xxxxxx | Cash From Borrower | 0.00 | 149162.89 | Verified | Field value reflects source document |
| xxxxxx | 837540 | xxxxxx | Original HLTV | 0 | 64.78873 | Verified | Field value reflects source document |
| xxxxxx | 837554 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837554 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837554 | xxxxxx | Cash From Borrower | 0.00 | 202719.74 | Verified | Field value reflects source document |
| xxxxxx | 837554 | xxxxxx | Original HLTV | 0 | 74.78324 | Verified | Field value reflects source document |
| xxxxxx | 837571 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837571 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837571 | xxxxxx | Cash From Borrower | 0.00 | 445745.06 | Verified | Field value reflects source document |
| xxxxxx | 837571 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.17 | 34.24917 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837571 | xxxxxx | Original HLTV | 0 | 41.17034 | Verified | Field value reflects source document |
| xxxxxx | 837596 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837596 | xxxxxx | Cash From Borrower | 0.00 | 117894.91 | Verified | Field value reflects source document |
| xxxxxx | 837596 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837612 | xxxxxx | Cash From Borrower | 0.00 | 413009.89 | Verified | Field value reflects source document |
| xxxxxx | 837612 | xxxxxx | Original HLTV | 0 | 69.23077 | Verified | Field value reflects source document |
| xxxxxx | 837621 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837621 | xxxxxx | Representative FICO | 770 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837621 | xxxxxx | Cash From Borrower | 0.00 | 173005.95 | Verified | Field value reflects source document |
| xxxxxx | 837621 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837637 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837637 | xxxxxx | Property Type | 4 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837637 | xxxxxx | # of Units | 4 | 1 | Verified | Field value reflects source document |
| xxxxxx | 837637 | xxxxxx | Cash To Borrower | 673793.00 | 673792.46 | Verified | Field value reflects source document |
| xxxxxx | 837637 | xxxxxx | Original HLTV | 0 | 62.65823 | Verified | Field value reflects source document |
| xxxxxx | 837655 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837655 | xxxxxx | # of Units | 5 | 7 | Verified | Field value reflects source document |
| xxxxxx | 837655 | xxxxxx | Cash To Borrower | 477577.49 | 493673.45 | Verified | Field value reflects source document |
| xxxxxx | 837655 | xxxxxx | Original CLTV | 55 | 40.44118 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 837655 | xxxxxx | Original LTV | 55 | 40.44118 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837655 | xxxxxx | Original HLTV | 0 | 40.44118 | Verified | Field value reflects source document |
| xxxxxx | 837667 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 837667 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837667 | xxxxxx | Cash To Borrower | 0.00 | 1827.10 | Verified | Field value reflects source document |
| xxxxxx | 837667 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837684 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837684 | xxxxxx | Cash From Borrower | 0.00 | 3659.44 | Verified | Field value reflects source document |
| xxxxxx | 837684 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837686 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 837686 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837686 | xxxxxx | Cash From Borrower | 0.00 | 346298.25 | Verified | Field value reflects source document |
| xxxxxx | 837686 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837723 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837723 | xxxxxx | Cash To Borrower | 112078.97 | 29624.97 | Verified | Field value reflects source document |
| xxxxxx | 837723 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.217 | 15.93894 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837723 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837724 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837724 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837724 | xxxxxx | Subject Debt Service Coverage Ratio | 1.42 | 1.33 | Verified | Calculated as per Lease and 1007 rent schedule & PITIA |
| xxxxxx | 837728 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837728 | xxxxxx | Appraisal Date | 2025-03-25 | 2025-03-27 | Verified | Tape Value reflects Appraisal Effective Date |
| xxxxxx | 837728 | xxxxxx | Subject Debt Service Coverage Ratio | 1.39 | 1.38 | Verified | Due to roundoff value updated as per document. |
| xxxxxx | 837733 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837733 | xxxxxx | Subject Debt Service Coverage Ratio | 1.15 | 1.14 | Verified | DSCR calculation derived from Market Rent amount of $1325 Income /$1,157.27 debt = 1.1449. |
| xxxxxx | 837734 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837734 | xxxxxx | Appraisal Date | 2025-02-26 | 2025-02-28 | Verified | Tape Value reflects Appraisal Effective Date |
| xxxxxx | 837734 | xxxxxx | Subject Debt Service Coverage Ratio | 2.49 | 2.31 | Verified | DSCR: lease amount $3500 / PITIA $1511.33 = 2.31% DSCR |
| xxxxxx | 837737 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837737 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837739 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837739 | xxxxxx | Subject Debt Service Coverage Ratio | 1.17 | 1.16 | Verified | Field value reflects source document |
| xxxxxx | 837741 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837741 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 837741 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837741 | xxxxxx | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Due to rounding. |
| xxxxxx | 837746 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837746 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837750 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837750 | xxxxxx | Subject Debt Service Coverage Ratio | 1.22 | 1.15 | Verified | DSCR: market rent of $3300 / PITI $2862.42 = 1.15% |
| xxxxxx | 837752 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837752 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837772 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837772 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837772 | xxxxxx | Cash From Borrower | 0.00 | 111765.87 | Verified | Field value reflects source document |
| xxxxxx | 837772 | xxxxxx | Original HLTV | 0 | 74.18919 | Verified | Field value reflects source document |
| xxxxxx | 837777 | xxxxxx | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837777 | xxxxxx | Cash To Borrower | 40519.23 | 38571.94 | Verified | Field value reflects source document |
| xxxxxx | 837777 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.637 | 36.36817 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837777 | xxxxxx | Original HLTV | 0 | 20.6044 | Verified | Field value reflects source document |
| xxxxxx | 837824 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837824 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837824 | xxxxxx | Representative FICO | 787 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837824 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837824 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837824 | xxxxxx | Cash To Borrower | 0.00 | 235907.59 | Verified | Field value reflects source document |
| xxxxxx | 837824 | xxxxxx | Original CLTV | 60.36855 | 70 | Verified | Stated value |
| xxxxxx | 837824 | xxxxxx | Original LTV | 60.36855 | 70 | Verified | Stated value |
| xxxxxx | 837824 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837843 | xxxxxx | Original Interest Rate | 8.875 | 9.125 | Verified | Field Value reflects the Note value |
| xxxxxx | 837843 | xxxxxx | Cash To Borrower | 391786.00 | 391074.26 | Verified | Field value reflects source document |
| xxxxxx | 837843 | xxxxxx | Original HLTV | 0 | 33.89831 | Verified | Field value reflects source document |
| xxxxxx | 837879 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837879 | xxxxxx | Cash From Borrower | 0.00 | 33829.24 | Verified | Field value reflects source document |
| xxxxxx | 837879 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.012 | 30.42287 | Verified | Audit DTI based off 1099's |
| xxxxxx | 837879 | xxxxxx | Original HLTV | 0 | 89.99972 | Verified | Field value reflects source document |
| xxxxxx | 837899 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837899 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837899 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 837899 | xxxxxx | Cash From Borrower | 0.00 | 158733.40 | Verified | Field value reflects source document |
| xxxxxx | 837899 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837906 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 837906 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 837906 | xxxxxx | Cash From Borrower | 0.00 | 112483.29 | Verified | Field value reflects source document |
| xxxxxx | 837906 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837912 | xxxxxx | Representative FICO | 800 | 807 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837912 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837912 | xxxxxx | Cash From Borrower | 0.00 | 302467.63 | Verified | Field value reflects source document |
| xxxxxx | 837912 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837918 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837918 | xxxxxx | Property Type |  | Condotel | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837918 | xxxxxx | Cash From Borrower | 0.00 | 183813.65 | Verified | Field value reflects source document |
| xxxxxx | 837918 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837947 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837947 | xxxxxx | Original CLTV | 41.66667 | 50 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 837947 | xxxxxx | Original LTV | 41.66667 | 50 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837947 | xxxxxx | Cash From Borrower | 0.00 | 12455.04 | Verified | Field value reflects source document |
| xxxxxx | 837947 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 837953 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837953 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837953 | xxxxxx | Cash From Borrower | 0.00 | 244307.68 | Verified | Field value reflects source document |
| xxxxxx | 837953 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837957 | xxxxxx | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| xxxxxx | 837957 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837957 | xxxxxx | Cash From Borrower | 0.00 | 132508.01 | Verified | Field value reflects source document |
| xxxxxx | 837957 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.908 | 54.81172 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837957 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837958 | xxxxxx | Cash From Borrower | 0.00 | 52832.24 | Verified | Field value reflects source document |
| xxxxxx | 837958 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837979 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837979 | xxxxxx | Cash To Borrower | 775000.00 | 768912.45 | Verified | Field value reflects source document |
| xxxxxx | 837979 | xxxxxx | Original CLTV | 43.05556 | 41.89189 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 837979 | xxxxxx | Original LTV | 43.05556 | 41.89189 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837979 | xxxxxx | Original HLTV | 0 | 41.89189 | Verified | Field value reflects source document |
| xxxxxx | 837996 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837996 | xxxxxx | Cash From Borrower | 0.00 | 124198.01 | Verified | Field value reflects source document |
| xxxxxx | 837996 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837999 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837999 | xxxxxx | Cash To Borrower | 338499.00 | 313245.88 | Verified | Field value reflects source document |
| xxxxxx | 837999 | xxxxxx | Original HLTV | 0 | 26.41551 | Verified | Field value reflects source document |
| xxxxxx | 838004 | xxxxxx | Cash To Borrower | 1.00 | 94496.17 | Verified | Field value reflects source document |
| xxxxxx | 838004 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41 | 30.32781 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838004 | xxxxxx | Original HLTV | 0 | 15.03759 | Verified | Field value reflects source document |
| xxxxxx | 838025 | xxxxxx | Cash From Borrower | 0.00 | 65929.01 | Verified | Field value reflects source document |
| xxxxxx | 838025 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838048 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838048 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 838048 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838048 | xxxxxx | Cash From Borrower | 0.00 | 340754.00 | Verified | Field value reflects source document |
| xxxxxx | 838048 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.083 | 25.28641 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838048 | xxxxxx | Original HLTV | 0 | 56.41515 | Verified | Field value reflects source document |
| xxxxxx | 838076 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838076 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838076 | xxxxxx | Cash From Borrower | 0.00 | 146170.51 | Verified | Field value reflects source document |
| xxxxxx | 838076 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838077 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838077 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838077 | xxxxxx | Cash From Borrower | 0.00 | 185601.71 | Verified | Field value reflects source document |
| xxxxxx | 838077 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 838085 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838085 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838085 | xxxxxx | Cash From Borrower | 0.00 | 185527.31 | Verified | Field value reflects source document |
| xxxxxx | 838085 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838093 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838093 | xxxxxx | Cash To Borrower | 200001.00 | 184889.77 | Verified | Field value reflects source document |
| xxxxxx | 838093 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.55 | 9.95961 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838093 | xxxxxx | Original HLTV | 0 | 42.5534 | Verified | Field value reflects source document |
| xxxxxx | 838100 | xxxxxx | Cash From Borrower | 0.00 | 84550.00 | Verified | Field value reflects source document |
| xxxxxx | 838100 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838103 | xxxxxx | Representative FICO | 750 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838103 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838103 | xxxxxx | Cash From Borrower | 0.00 | 88937.97 | Verified | Field value reflects source document |
| xxxxxx | 838103 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838119 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 838119 | xxxxxx | Cash To Borrower | 202500.00 | 97431.04 | Verified | Field value reflects source document |
| xxxxxx | 838119 | xxxxxx | Original HLTV | 0 | 69.82759 | Verified | Field value reflects source document |
| xxxxxx | 838136 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838136 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838136 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838136 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 838136 | xxxxxx | Cash From Borrower | 0.00 | 322480.30 | Verified | Field value reflects source document |
| xxxxxx | 838136 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838144 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838144 | xxxxxx | Cash From Borrower | 0.00 | 63619.94 | Verified | Field value reflects source document |
| xxxxxx | 838144 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.053 | 44.90363 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838144 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 838147 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838147 | xxxxxx | Cash From Borrower | 0.00 | 127419.50 | Verified | Field value reflects source document |
| xxxxxx | 838147 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838150 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838150 | xxxxxx | Cash To Borrower | 205815.22 | 187452.32 | Verified | Field value reflects source document |
| xxxxxx | 838150 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 838162 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838162 | xxxxxx | Cash From Borrower | 0.00 | 128789.85 | Verified | Field value reflects source document |
| xxxxxx | 838162 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 838173 | xxxxxx | Representative FICO | 797 | 812 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838173 | xxxxxx | Cash To Borrower | 246772.18 | 244968.26 | Verified | Field value reflects source document |
| xxxxxx | 838173 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.554 | 33.91202 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838173 | xxxxxx | Original HLTV | 0 | 27.02703 | Verified | Field value reflects source document |
| xxxxxx | 838214 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838214 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838214 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838214 | xxxxxx | Cash To Borrower | 286000.00 | 288652.73 | Verified | Field value reflects source document |
| xxxxxx | 838214 | xxxxxx | Original HLTV | 0 | 45.83333 | Verified | Field value reflects source document |
| xxxxxx | 838236 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838236 | xxxxxx | Cash From Borrower | 0.00 | 130907.88 | Verified | Field value reflects source document |
| xxxxxx | 838236 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12 | 8.02768 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838236 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 838258 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838258 | xxxxxx | Cash From Borrower | 0.00 | 98081.65 | Verified | Field value reflects source document |
| xxxxxx | 838258 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 838260 | xxxxxx | Cash To Borrower | 0.00 | 309007.19 | Verified | Field value reflects source document |
| xxxxxx | 838260 | xxxxxx | Original HLTV | 0 | 38.92216 | Verified | Field value reflects source document |
| xxxxxx | 838297 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838297 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838297 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838297 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 838297 | xxxxxx | Cash From Borrower | 0.00 | 124018.88 | Verified | Field value reflects source document |
| xxxxxx | 838297 | xxxxxx | Original HLTV | 0 | 79.99993 | Verified | Field value reflects source document |
| xxxxxx | 838301 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838301 | xxxxxx | Representative FICO | 697 | 695 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838301 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838301 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838301 | xxxxxx | Original CLTV | 74.78261 | 71.66667 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838301 | xxxxxx | Original LTV | 74.78261 | 71.66667 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838301 | xxxxxx | Cash From Borrower | 0.00 | 9933.96 | Verified | Field value reflects source document |
| xxxxxx | 838301 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.64 | 48.69294 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838301 | xxxxxx | Original HLTV | 0 | 71.66667 | Verified | Field value reflects source document |
| xxxxxx | 838305 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838305 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838305 | xxxxxx | Representative FICO | 751 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838305 | xxxxxx | Cash From Borrower | 0.00 | 80299.71 | Verified | Field value reflects source document |
| xxxxxx | 838305 | xxxxxx | Original HLTV | 0 | 68.22727 | Verified | Field value reflects source document |
| xxxxxx | 838310 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838310 | xxxxxx | Cash From Borrower | 0.00 | 653834.73 | Verified | Field value reflects source document |
| xxxxxx | 838310 | xxxxxx | Original HLTV | 0 | 71.42857 | Verified | Field value reflects source document |
| xxxxxx | 838313 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838313 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838313 | xxxxxx | Cash From Borrower | 0.00 | 17635.17 | Verified | Field value reflects source document |
| xxxxxx | 838313 | xxxxxx | Original HLTV | 0 | 79.91968 | Verified | Field value reflects source document |
| xxxxxx | 838328 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838328 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838328 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838328 | xxxxxx | Cash To Borrower | 110000.00 | 104274.98 | Verified | Field value reflects source document |
| xxxxxx | 838328 | xxxxxx | Original HLTV | 0 | 18.48739 | Verified | Field value reflects source document |
| xxxxxx | 838331 | xxxxxx | Cash From Borrower | 0.00 | 310917.19 | Verified | Field value reflects source document |
| xxxxxx | 838331 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838332 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838332 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838332 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838332 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838332 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838332 | xxxxxx | Cash From Borrower | 0.00 | 113542.03 | Verified | Field value reflects source document |
| xxxxxx | 838332 | xxxxxx | Original HLTV | 0 | 73 | Verified | Field value reflects source document |
| xxxxxx | 838353 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838353 | xxxxxx | Cash From Borrower | 0.00 | 404549.22 | Verified | Field value reflects source document |
| xxxxxx | 838353 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838401 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838401 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838401 | xxxxxx | Cash From Borrower | 0.00 | 247757.86 | Verified | Field value reflects source document |
| xxxxxx | 838401 | xxxxxx | Original HLTV | 0 | 52.74262 | Verified | Field value reflects source document |
| xxxxxx | 838435 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | cash back less than $5,000 |
| xxxxxx | 838435 | xxxxxx | Cash To Borrower | 265000.00 | 5720.73 | Verified | Field value reflects source document |
| xxxxxx | 838435 | xxxxxx | Original HLTV | 0 | 31.17647 | Verified | Field value reflects source document |
| xxxxxx | 838436 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838436 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838436 | xxxxxx | Cash From Borrower | 0.00 | 146409.85 | Verified | Field value reflects source document |
| xxxxxx | 838436 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838438 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 838438 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838438 | xxxxxx | Cash To Borrower | 140281.62 | 144039.62 | Verified | Field value reflects source document |
| xxxxxx | 838438 | xxxxxx | Original CLTV | 40.29175 | 44.54872 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 838438 | xxxxxx | Original LTV | 20.14587 | 23.80952 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838438 | xxxxxx | Original HLTV | 0 | 23.80952 | Verified | Field value reflects source document |
| xxxxxx | 838446 | xxxxxx | Cash To Borrower | 145232.00 | 135441.43 | Verified | Field value reflects source document |
| xxxxxx | 838446 | xxxxxx | Original HLTV | 0 | 25.49142 | Verified | Field value reflects source document |
| xxxxxx | 838449 | xxxxxx | Property Type | Single Family Attached | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838449 | xxxxxx | Cash From Borrower | 0.00 | 168603.97 | Verified | Field value reflects source document |
| xxxxxx | 838449 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838451 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838451 | xxxxxx | Cash To Borrower | 523238.00 | 522130.79 | Verified | Field value reflects source document |
| xxxxxx | 838451 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 838462 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838462 | xxxxxx | Cash From Borrower | 0.00 | 113744.33 | Verified | Field value reflects source document |
| xxxxxx | 838462 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838481 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838481 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 838481 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838481 | xxxxxx | Cash To Borrower | 472552.00 | 487973.20 | Verified | Field value reflects source document |
| xxxxxx | 838481 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838488 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838488 | xxxxxx | Cash To Borrower | 2195.00 | 2197086.81 | Verified | Field value reflects source document |
| xxxxxx | 838488 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.6 | 44.75294 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838488 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838492 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838492 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838492 | xxxxxx | Cash From Borrower | 0.00 | 7277.51 | Verified | Field value reflects source document |
| xxxxxx | 838492 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838496 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838496 | xxxxxx | Cash To Borrower | 415000.00 | 408109.02 | Verified | Field value reflects source document |
| xxxxxx | 838496 | xxxxxx | Original HLTV | 0 | 52.86624 | Verified | Field value reflects source document |
| xxxxxx | 838498 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838498 | xxxxxx | Cash From Borrower | 0.00 | 98237.73 | Verified | Field value reflects source document |
| xxxxxx | 838498 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838501 | xxxxxx | Cash To Borrower | 302710.00 | 286686.14 | Verified | Field value reflects source document |
| xxxxxx | 838501 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838507 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838507 | xxxxxx | Representative FICO | 761 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838507 | xxxxxx | Cash To Borrower | 112346.87 | 95452.30 | Verified | Field value reflects source document |
| xxxxxx | 838507 | xxxxxx | Original HLTV | 0 | 73.43234 | Verified | Field value reflects source document |
| xxxxxx | 838509 | xxxxxx | Cash From Borrower | 0.00 | 156157.79 | Verified | Field value reflects source document |
| xxxxxx | 838509 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838541 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 838541 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838541 | xxxxxx | Cash To Borrower | 198033.00 | 196158.46 | Verified | Field value reflects source document |
| xxxxxx | 838541 | xxxxxx | Original CLTV | 51.50593 | 58.25496 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838541 | xxxxxx | Original LTV | 14.2069 | 16.09375 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838541 | xxxxxx | Original HLTV | 0 | 16.09375 | Verified | Field value reflects source document |
| xxxxxx | 838572 | xxxxxx | Representative FICO | 680 |  | Verified | Borrower is foreign national. |
| xxxxxx | 838572 | xxxxxx | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 838572 | xxxxxx | Subject Debt Service Coverage Ratio | 1.29 | 1.33 | Verified | PITIA: P&I $795.36, Taxes $396.17, Hazard $159.00 = $1,350.53. Used rent $1,800.00 / PITIA 1,350.53 = 1.33 |
| xxxxxx | 838597 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838597 | xxxxxx | Cash To Borrower | 600000.00 | 577233.42 | Verified | Field value reflects source document |
| xxxxxx | 838597 | xxxxxx | Original HLTV | 0 | 57.14286 | Verified | Field value reflects source document |
| xxxxxx | 838629 | xxxxxx | Cash To Borrower | 95230.00 | 94530.18 | Verified | Field value reflects source document |
| xxxxxx | 838629 | xxxxxx | Original HLTV | 0 | 43.85714 | Verified | Field value reflects source document |
| xxxxxx | 838672 | xxxxxx | Cash From Borrower | 0.00 | 150252.78 | Verified | Field value reflects source document |
| xxxxxx | 838672 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 838673 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838673 | xxxxxx | Cash To Borrower | 540000.00 | 538540.87 | Verified | Field value reflects source document |
| xxxxxx | 838673 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.2 | 49.65713 | Verified | Audit DTI |
| xxxxxx | 838673 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838678 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 838678 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838678 | xxxxxx | Cash To Borrower | 0.00 | 45834.52 | Verified | Field value reflects source document |
| xxxxxx | 838678 | xxxxxx | Original CLTV | 19.37984 | 64.31938 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838678 | xxxxxx | Appraisal Effective Date |  | 2023-10-27 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 838678 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.66 | 49.94902 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838678 | xxxxxx | Original HLTV | 0 | 19.37984 | Verified | Field value reflects source document |
| xxxxxx | 838683 | xxxxxx | Cash From Borrower | 0.00 | 281457.23 | Verified | Field value reflects source document |
| xxxxxx | 838683 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838708 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838708 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838708 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 838708 | xxxxxx | Cash From Borrower | 0.00 | 5046.31 | Verified | Field value reflects source document |
| xxxxxx | 838708 | xxxxxx | Original HLTV | 0 | 63.23077 | Verified | Field value reflects source document |
| xxxxxx | 838712 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838712 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 838712 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838712 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838712 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 838712 | xxxxxx | Cash From Borrower | 0.00 | 94104.12 | Verified | Field value reflects source document |
| xxxxxx | 838712 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838714 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838714 | xxxxxx | Cash From Borrower | 0.00 | 216561.00 | Verified | Field value reflects source document |
| xxxxxx | 838714 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 838721 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838721 | xxxxxx | Cash From Borrower | 0.00 | 134641.14 | Verified | Field value reflects source document |
| xxxxxx | 838721 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 838724 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838724 | xxxxxx | Representative FICO | 734 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838724 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838724 | xxxxxx | Cash From Borrower | 0.00 | 398386.10 | Verified | Field value reflects source document |
| xxxxxx | 838724 | xxxxxx | Original HLTV | 0 | 41.98473 | Verified | Field value reflects source document |
| xxxxxx | 838751 | xxxxxx | Representative FICO | 654 | 643 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838751 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838760 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838760 | xxxxxx | Cash From Borrower | 0.00 | 384052.59 | Verified | Field value reflects source document |
| xxxxxx | 838760 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 838764 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838764 | xxxxxx | Cash To Borrower | 154237.40 | 143945.46 | Verified | Field value reflects source document |
| xxxxxx | 838764 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838771 | xxxxxx | Cash To Borrower | 37433.00 | 38485.74 | Verified | Field value reflects source document |
| xxxxxx | 838771 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.13 | 48.10844 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838771 | xxxxxx | Original HLTV | 0 | 21.31711 | Verified | Field value reflects source document |
| xxxxxx | 838774 | xxxxxx | Representative FICO | 681 | 690 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838774 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838774 | xxxxxx | Cash From Borrower | 0.00 | 89885.35 | Verified | Field value reflects source document |
| xxxxxx | 838774 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 838777 | xxxxxx | Cash From Borrower | 0.00 | 145987.10 | Verified | Field value reflects source document |
| xxxxxx | 838777 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.592 | 32.42942 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838777 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 838802 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 838802 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838802 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838802 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838802 | xxxxxx | Cash From Borrower | 0.00 | 39258.66 | Verified | Field value reflects source document |
| xxxxxx | 838802 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 838806 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838806 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838806 | xxxxxx | Cash From Borrower | 0.00 | 81304.85 | Verified | Field value reflects source document |
| xxxxxx | 838806 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838809 | xxxxxx | Representative FICO | 727 | 713 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838809 | xxxxxx | Cash To Borrower | 417345.53 | 415949.54 | Verified | Field value reflects source document |
| xxxxxx | 838809 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838809 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.214 | 35.97332 | Verified | Lender used higher income that was provided in file. |
| xxxxxx | 838809 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838816 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838816 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838816 | xxxxxx | Cash From Borrower | 0.00 | 1265197.36 | Verified | Field value reflects source document |
| xxxxxx | 838816 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 838828 | xxxxxx | Cash To Borrower | 125348.00 | 89550.30 | Verified | Field value reflects source document |
| xxxxxx | 838828 | xxxxxx | Original HLTV | 0 | 60.85 | Verified | Field value reflects source document |
| xxxxxx | 838848 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 838848 | xxxxxx | First Payment Date |  | xxxxxx | Verified | The Bid Tape Field Value was not provided. |
| xxxxxx | 838848 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838848 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838848 | xxxxxx | Cash To Borrower | 93625.00 | 55318.26 | Verified | Field value reflects source document |
| xxxxxx | 838848 | xxxxxx | Original LTV | 30.0885 | 27.5 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838848 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.6 | 44.13392 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838848 | xxxxxx | Original HLTV | 0 | 27.5 | Verified | Field value reflects source document |
| xxxxxx | 838850 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838850 | xxxxxx | Representative FICO | 766 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838850 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838850 | xxxxxx | Cash To Borrower | 1.00 | 1081.62 | Verified | Field value reflects source document |
| xxxxxx | 838850 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838938 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838938 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838938 | xxxxxx | Maturity Date |  | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 838938 | xxxxxx | Original P&I |  | 1258.72 | Verified | Field Value reflects Note value |
| xxxxxx | 838938 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838938 | xxxxxx | Cash To Borrower | 151051.30 | 153464.74 | Verified | Field value reflects source document |
| xxxxxx | 838938 | xxxxxx | Original CLTV | 61.25714 | 63.27158 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 838938 | xxxxxx | Appraisal Effective Date |  | 2025-05-21 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 838938 | xxxxxx | Original HLTV | 0 | 22.85714 | Verified | Field value reflects source document |
| xxxxxx | 838947 | xxxxxx | Representative FICO | 782 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838947 | xxxxxx | Cash From Borrower | 0.00 | 59373.77 | Verified | Field value reflects source document |
| xxxxxx | 838947 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21 | 14.54189 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838947 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838955 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838955 | xxxxxx | Cash From Borrower | 0.00 | 116615.31 | Verified | Field value reflects source document |
| xxxxxx | 838955 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26 | 13.48631 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838955 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 838962 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 838962 | xxxxxx | Representative FICO | 771 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838962 | xxxxxx | Cash To Borrower | 140835.60 | 140729.87 | Verified | Field value reflects source document |
| xxxxxx | 838962 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838962 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.418 | 39.57963 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838962 | xxxxxx | Original HLTV | 0 | 10.52632 | Verified | Field value reflects source document |
| xxxxxx | 838967 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838967 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838967 | xxxxxx | Cash To Borrower | 240337.00 | 244019.81 | Verified | Field value reflects source document |
| xxxxxx | 838967 | xxxxxx | Original CLTV | 59.5119 | 55.79241 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 838967 | xxxxxx | Original LTV | 59.5119 | 55.79241 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 838967 | xxxxxx | Original HLTV | 0 | 55.79241 | Verified | Field value reflects source document |
| xxxxxx | 839334 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839334 | xxxxxx | Cash To Borrower | 124000.00 | 127434.75 | Verified | Field value reflects source document |
| xxxxxx | 839334 | xxxxxx | Original HLTV | 0 | 69.34307 | Verified | Field value reflects source document |
| xxxxxx | 839338 | xxxxxx | Cash From Borrower | 0.00 | 255048.54 | Verified | Field value reflects source document |
| xxxxxx | 839338 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 19.41979 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839338 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839347 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 839347 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 839347 | xxxxxx | Cash From Borrower | 0.00 | 195430.60 | Verified | Field value reflects source document |
| xxxxxx | 839347 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839364 | xxxxxx | Cash From Borrower | 0.00 | 116094.50 | Verified | Field value reflects source document |
| xxxxxx | 839364 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839376 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 839376 | xxxxxx | Cash To Borrower | 125000.00 | 463671.40 | Verified | Field value reflects source document |
| xxxxxx | 839376 | xxxxxx | Original HLTV | 0 | 36.98113 | Verified | Field value reflects source document |
| xxxxxx | 839379 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839379 | xxxxxx | Cash From Borrower | 0.00 | 445278.94 | Verified | Field value reflects source document |
| xxxxxx | 839379 | xxxxxx | Original HLTV | 0 | 66.66667 | Verified | Field value reflects source document |
| xxxxxx | 839399 | xxxxxx | Representative FICO | 665 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839399 | xxxxxx | Cash To Borrower | 55000.00 | 20183.09 | Verified | Field value reflects source document |
| xxxxxx | 839399 | xxxxxx | Original HLTV | 0 | 61.7284 | Verified | Field value reflects source document |
| xxxxxx | 839451 | xxxxxx | Cash To Borrower | 179642.00 | 180076.88 | Verified | Field value reflects source document |
| xxxxxx | 839451 | xxxxxx | Original HLTV | 0 | 17.61905 | Verified | Field value reflects source document |
| xxxxxx | 839479 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 839479 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 839479 | xxxxxx | Cash To Borrower | 159040.42 | 154369.36 | Verified | Field value reflects source document |
| xxxxxx | 839479 | xxxxxx | Prepayment Penalty Period (months) |  | 6 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 839479 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839488 | xxxxxx | Cash From Borrower | 0.00 | 227889.66 | Verified | Field value reflects source document |
| xxxxxx | 839488 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839495 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839495 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839495 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839495 | xxxxxx | Cash To Borrower | 146967.12 | 147130.28 | Verified | Field value reflects source document |
| xxxxxx | 839495 | xxxxxx | Original CLTV | 60 | 55.2381 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 839495 | xxxxxx | Original LTV | 60 | 55.2381 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 839495 | xxxxxx | Original HLTV | 0 | 55.2381 | Verified | Field value reflects source document |
| xxxxxx | 839505 | xxxxxx | Cash From Borrower | 0.00 | 145142.15 | Verified | Field value reflects source document |
| xxxxxx | 839505 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 839509 | xxxxxx | Cash From Borrower | 0.00 | 151127.55 | Verified | Field value reflects source document |
| xxxxxx | 839509 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839521 | xxxxxx | Cash From Borrower | 0.00 | 137734.82 | Verified | Field value reflects source document |
| xxxxxx | 839521 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.938 | 17.16649 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839521 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 839539 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839539 | xxxxxx | Cash To Borrower | 163000.00 | 148716.99 | Verified | Field value reflects source document |
| xxxxxx | 839539 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839539 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.46 | 27.64952 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839539 | xxxxxx | Original HLTV | 0 | 26.26914 | Verified | Field value reflects source document |
| xxxxxx | 839573 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839573 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839573 | xxxxxx | Cash To Borrower | 50000.00 | 46627.35 | Verified | Field value reflects source document |
| xxxxxx | 839573 | xxxxxx | Original HLTV | 0 | 9.84217 | Verified | Field value reflects source document |
| xxxxxx | 839574 | xxxxxx | Cash From Borrower | 0.00 | 328037.68 | Verified | Field value reflects source document |
| xxxxxx | 839574 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839591 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 839591 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839591 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839591 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.22 | 36.65975 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839591 | xxxxxx | Original HLTV | 0 | 79.26398 | Verified | Field value reflects source document |
| xxxxxx | 839598 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839598 | xxxxxx | Cash From Borrower | 0.00 | 141305.55 | Verified | Field value reflects source document |
| xxxxxx | 839598 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.3 | 36.60649 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839598 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839599 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839599 | xxxxxx | Cash To Borrower | 253999.00 | 262960.69 | Verified | Field value reflects source document |
| xxxxxx | 839599 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839607 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839607 | xxxxxx | Cash To Borrower | 230175.00 | 249480.20 | Verified | Field value reflects source document |
| xxxxxx | 839607 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839608 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839608 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839608 | xxxxxx | Cash To Borrower | 270000.00 | 267543.62 | Verified | Field value reflects source document |
| xxxxxx | 839608 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839610 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839610 | xxxxxx | Cash To Borrower | 350000.00 | 301442.32 | Verified | Field value reflects source document |
| xxxxxx | 839610 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39 | 34.10938 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839610 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839614 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839614 | xxxxxx | Cash To Borrower | 296250.00 | 294243.61 | Verified | Field value reflects source document |
| xxxxxx | 839614 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839625 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839625 | xxxxxx | Representative FICO | 783 | 770 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839625 | xxxxxx | Cash To Borrower | 78000.00 | 70013.16 | Verified | Field value reflects source document |
| xxxxxx | 839625 | xxxxxx | Original HLTV | 0 | 34.19355 | Verified | Field value reflects source document |
| xxxxxx | 839626 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839626 | xxxxxx | Cash From Borrower | 0.00 | 87004.39 | Verified | Field value reflects source document |
| xxxxxx | 839626 | xxxxxx | Investor: Qualifying Total Debt Ratio | 53 | 59.82154 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839626 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 839627 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839627 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839627 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 839627 | xxxxxx | Cash From Borrower | 0.00 | 173769.49 | Verified | Field value reflects source document |
| xxxxxx | 839627 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.661 | 19.52254 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839627 | xxxxxx | Original HLTV | 0 | 89.99998 | Verified | Field value reflects source document |
| xxxxxx | 839659 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839659 | xxxxxx | Cash From Borrower | 0.00 | 86982.99 | Verified | Field value reflects source document |
| xxxxxx | 839659 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839668 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839668 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839668 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839668 | xxxxxx | Cash To Borrower | 106753.00 | 106753.01 | Verified | Field value reflects source document |
| xxxxxx | 839668 | xxxxxx | Original CLTV | 31.16883 | 33.05785 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 839668 | xxxxxx | Original LTV | 31.16883 | 33.05785 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 839668 | xxxxxx | Original HLTV | 0 | 33.05785 | Verified | Field value reflects source document |
| xxxxxx | 839705 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839705 | xxxxxx | Cash To Borrower | 1864000.00 | 1678454.40 | Verified | Field value reflects source document |
| xxxxxx | 839705 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.894 | 43.84062 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839705 | xxxxxx | Original HLTV | 0 | 64.33335 | Verified | Field value reflects source document |
| xxxxxx | 839758 | xxxxxx | Cash From Borrower | 0.00 | 121084.35 | Verified | Field value reflects source document |
| xxxxxx | 839758 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 41.02305 | Verified | Approval shows 43.38% |
| xxxxxx | 839758 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839769 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839769 | xxxxxx | Cash From Borrower | 0.00 | 274711.13 | Verified | Field value reflects source document |
| xxxxxx | 839769 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839781 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839781 | xxxxxx | Cash From Borrower | 0.00 | 68441.16 | Verified | Field value reflects source document |
| xxxxxx | 839781 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839783 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839783 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839783 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839783 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 839783 | xxxxxx | Original CLTV | 49.61335 | 48.12489 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 839783 | xxxxxx | Original LTV | 49.61335 | 48.12489 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 839783 | xxxxxx | Cash From Borrower | 0.00 | 167375.18 | Verified | Field value reflects source document |
| xxxxxx | 839783 | xxxxxx | Original HLTV | 0 | 48.12489 | Verified | Field value reflects source document |
| xxxxxx | 839829 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839829 | xxxxxx | Cash From Borrower | 0.00 | 122285.96 | Verified | Field value reflects source document |
| xxxxxx | 839829 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.769 | 15.89699 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839829 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839831 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839831 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839831 | xxxxxx | Cash To Borrower | 191603.81 | 193220.91 | Verified | Field value reflects source document |
| xxxxxx | 839831 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839846 | xxxxxx | Cash To Borrower | 0.00 | 1491.20 | Verified | Field value reflects source document |
| xxxxxx | 839846 | xxxxxx | Original HLTV | 0 | 44.34109 | Verified | Field value reflects source document |
| xxxxxx | 839859 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839859 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839864 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839864 | xxxxxx | Cash To Borrower | 80629.79 | 75545.76 | Verified | Field value reflects source document |
| xxxxxx | 839864 | xxxxxx | Original HLTV | 0 | 56.81818 | Verified | Field value reflects source document |
| xxxxxx | 839910 | xxxxxx | Cash To Borrower | 103853.75 | 104871.75 | Verified | Field value reflects source document |
| xxxxxx | 839910 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.864 | 39.20394 | Verified | 1008 approved at 39.202%. |
| xxxxxx | 839910 | xxxxxx | Original HLTV | 0 | 6.32184 | Verified | Field value reflects source document |
| xxxxxx | 839913 | xxxxxx | Cash To Borrower | 180272.00 | 201065.29 | Verified | Field value reflects source document |
| xxxxxx | 839913 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.22 | 41.24369 | Verified | CPA expense letter is aged. Per UW worksheet and 1008, utilized 50% fixed expense factor |
| xxxxxx | 839913 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839914 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839914 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839914 | xxxxxx | Cash From Borrower | 0.00 | 209495.65 | Verified | Field value reflects source document |
| xxxxxx | 839914 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839917 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839917 | xxxxxx | Cash To Borrower | 125000.00 | 211429.66 | Verified | Field value reflects source document |
| xxxxxx | 839917 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.38 | 33.48046 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839917 | xxxxxx | Original HLTV | 0 | 14.59283 | Verified | Field value reflects source document |
| xxxxxx | 839930 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839930 | xxxxxx | Cash From Borrower | 0.00 | 94994.92 | Verified | Field value reflects source document |
| xxxxxx | 839930 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839937 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839937 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839937 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 839937 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 839937 | xxxxxx | Cash From Borrower | 0.00 | 117708.77 | Verified | Field value reflects source document |
| xxxxxx | 839937 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839951 | xxxxxx | Representative FICO | 779 | 818 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839951 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839951 | xxxxxx | Cash From Borrower | 0.00 | 72611.22 | Verified | Field value reflects source document |
| xxxxxx | 839951 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839953 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839953 | xxxxxx | Cash From Borrower | 0.00 | 90728.21 | Verified | Field value reflects source document |
| xxxxxx | 839953 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839965 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839965 | xxxxxx | Cash From Borrower | 0.00 | 55696.09 | Verified | Field value reflects source document |
| xxxxxx | 839965 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839973 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839973 | xxxxxx | Cash From Borrower | 0.00 | 100129.43 | Verified | Field value reflects source document |
| xxxxxx | 839973 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839976 | xxxxxx | Cash To Borrower | 2196367.00 | 221711.31 | Verified | Field value reflects source document |
| xxxxxx | 839976 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839978 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839978 | xxxxxx | Cash To Borrower | 1013731.00 | 1013085.75 | Verified | Field value reflects source document |
| xxxxxx | 839978 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839979 | xxxxxx | Cash To Borrower | 250156.00 | 227695.90 | Verified | Field value reflects source document |
| xxxxxx | 839979 | xxxxxx | Original HLTV | 0 | 21.63265 | Verified | Field value reflects source document |
| xxxxxx | 839981 | xxxxxx | Cash From Borrower | 0.00 | 325233.49 | Verified | Field value reflects source document |
| xxxxxx | 839981 | xxxxxx | Original HLTV | 0 | 71.79487 | Verified | Field value reflects source document |
| xxxxxx | 839991 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839991 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 839991 | xxxxxx | Cash To Borrower | 114050.00 | 97745.23 | Verified | Field value reflects source document |
| xxxxxx | 839991 | xxxxxx | Original HLTV | 0 | 69.9422 | Verified | Field value reflects source document |
| xxxxxx | 840042 | xxxxxx | Cash From Borrower | 0.00 | 1634.16 | Verified | Field value reflects source document |
| xxxxxx | 840042 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840053 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840053 | xxxxxx | Cash From Borrower | 0.00 | 92221.85 | Verified | Field value reflects source document |
| xxxxxx | 840053 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840054 | xxxxxx | Cash To Borrower | 9607.42 | 10416.27 | Verified | Field value reflects source document |
| xxxxxx | 840054 | xxxxxx | Original HLTV | 0 | 15.9633 | Verified | Field value reflects source document |
| xxxxxx | 840141 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840141 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840141 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840141 | xxxxxx | Cash To Borrower | 3000000.00 | 2401129.66 | Verified | Field value reflects source document |
| xxxxxx | 840141 | xxxxxx | Original HLTV | 0 | 43.85965 | Verified | Field value reflects source document |
| xxxxxx | 840155 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840155 | xxxxxx | Cash To Borrower | 94064.04 | 61305.91 | Verified | Field value reflects source document |
| xxxxxx | 840155 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840183 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840183 | xxxxxx | Cash From Borrower | 0.00 | 802894.39 | Verified | Field value reflects source document |
| xxxxxx | 840183 | xxxxxx | Original HLTV | 0 | 51.88679 | Verified | Field value reflects source document |
| xxxxxx | 840237 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840237 | xxxxxx | Cash To Borrower | 90170.21 | 86653.95 | Verified | Field value reflects source document |
| xxxxxx | 840237 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840241 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840241 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840241 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.619 | 31.35777 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 840241 | xxxxxx | Original HLTV | 0 | 15.38462 | Verified | Field value reflects source document |
| xxxxxx | 840280 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840280 | xxxxxx | Cash From Borrower | 0.00 | 163832.95 | Verified | Field value reflects source document |
| xxxxxx | 840280 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840295 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840295 | xxxxxx | Cash To Borrower | 94506.00 | 64964.95 | Verified | Field value reflects source document |
| xxxxxx | 840295 | xxxxxx | Original HLTV | 0 | 33.21429 | Verified | Field value reflects source document |
| xxxxxx | 840303 | xxxxxx | Cash To Borrower | 236723.00 | 128042.61 | Verified | Field value reflects source document |
| xxxxxx | 840303 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.923 | 31.14227 | Verified | 1008 approved at 31.552%. |
| xxxxxx | 840303 | xxxxxx | Original HLTV | 0 | 17.14324 | Verified | Field value reflects source document |
| xxxxxx | 840304 | xxxxxx | Cash From Borrower | 0.00 | 98936.00 | Verified | Field value reflects source document |
| xxxxxx | 840304 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 840310 | xxxxxx | Cash From Borrower | 0.00 | 278186.61 | Verified | Field value reflects source document |
| xxxxxx | 840310 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840328 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 840328 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840328 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840328 | xxxxxx | Cash From Borrower | 0.00 | 110243.94 | Verified | Field value reflects source document |
| xxxxxx | 840328 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.9 | 32.8523 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840328 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840359 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 840359 | xxxxxx | Cash To Borrower | 125000.00 | 188147.91 | Verified | Field value reflects source document |
| xxxxxx | 840359 | xxxxxx | Original HLTV | 0 | 27.77778 | Verified | Field value reflects source document |
| xxxxxx | 840389 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840389 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840389 | xxxxxx | Cash From Borrower | 0.00 | 333161.57 | Verified | Field value reflects source document |
| xxxxxx | 840389 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29 | 25.81248 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840389 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 840410 | xxxxxx | Cash To Borrower | 50000.00 | 81347.84 | Verified | Field value reflects source document |
| xxxxxx | 840410 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.22 | 44.8578 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840410 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840444 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840444 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 840444 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 840444 | xxxxxx | Representative FICO | 726 | 784 | Verified | If the borrower and co-borrower are self-employed and jointly own the business being used for income, the highest score amongst the borrowers is used as the decision credit score. |
| xxxxxx | 840444 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840444 | xxxxxx | Cash From Borrower | 0.00 | 333697.74 | Verified | Field value reflects source document |
| xxxxxx | 840444 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 35.82392 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840444 | xxxxxx | Original HLTV | 0 | 85.00002 | Verified | Field value reflects source document |
| xxxxxx | 840564 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840564 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840564 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840565 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840565 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840565 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840566 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840567 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840567 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840567 | xxxxxx | Subject Debt Service Coverage Ratio | 1.26 | 1.04 | Verified | DSCR - $3,150.00 / $3,002.56 = 1.04 updated as per available document. |
| xxxxxx | 840568 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840568 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840569 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840569 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 840569 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 840569 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840569 | xxxxxx | Subject Debt Service Coverage Ratio | 1.25 | 1.70 | Verified | Updated PITIA as per the source of the document however DSCR is not matching. |
| xxxxxx | 840570 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840570 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840571 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840571 | xxxxxx | Subject Debt Service Coverage Ratio | 1.42 | 1.55 | Verified | DSCR: lease and Market rent $3100 / 1,988.86 = 1.55% |
| xxxxxx | 840573 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840573 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840573 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840573 | xxxxxx | Subject Debt Service Coverage Ratio | 0.80 | 0.98 | Verified | AirBnB market rent daily $402 X44% = $176.88 daily X 30 = $5306.40 market rent. |
| xxxxxx | 840574 | xxxxxx | Representative FICO | 757 | 743 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840574 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840575 | xxxxxx | Representative FICO | 757 | 743 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840575 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840597 | xxxxxx | Cash To Borrower | 200426.20 | 198026.31 | Verified | Field value reflects source document |
| xxxxxx | 840597 | xxxxxx | Original HLTV | 0 | 56.57895 | Verified | Field value reflects source document |
| xxxxxx | 840602 | xxxxxx | Cash From Borrower | 0.00 | 142251.91 | Verified | Field value reflects source document |
| xxxxxx | 840602 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840606 | xxxxxx | Representative FICO | 712 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840606 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840606 | xxxxxx | Cash From Borrower | 0.00 | 307011.31 | Verified | Field value reflects source document |
| xxxxxx | 840606 | xxxxxx | Original HLTV | 0 | 69.38776 | Verified | Field value reflects source document |
| xxxxxx | 840615 | xxxxxx | Cash From Borrower | 0.00 | 161875.00 | Verified | Field value reflects source document |
| xxxxxx | 840615 | xxxxxx | Original HLTV | 0 | 79.9375 | Verified | Field value reflects source document |
| xxxxxx | 840635 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840635 | xxxxxx | Cash To Borrower | 188885.39 | 193946.91 | Verified | Field value reflects source document |
| xxxxxx | 840635 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840644 | xxxxxx | Cash To Borrower | 186000.00 | 193419.70 | Verified | Field value reflects source document |
| xxxxxx | 840644 | xxxxxx | Original HLTV | 0 | 13.24503 | Verified | Field value reflects source document |
| xxxxxx | 840664 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840664 | xxxxxx | Cash From Borrower | 0.00 | 258750.49 | Verified | Field value reflects source document |
| xxxxxx | 840664 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.87 | 42.31894 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840664 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840669 | xxxxxx | Cash From Borrower | 0.00 | 269233.71 | Verified | Field value reflects source document |
| xxxxxx | 840669 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840686 | xxxxxx | Cash From Borrower | 0.00 | 85130.67 | Verified | Field value reflects source document |
| xxxxxx | 840686 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840689 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840689 | xxxxxx | Cash To Borrower | 245075.01 | 244972.47 | Verified | Field value reflects source document |
| xxxxxx | 840689 | xxxxxx | Original CLTV | 58.49478 | 59.73918 | Verified | AVM value lower |
| xxxxxx | 840689 | xxxxxx | Original HLTV | 0 | 16.05776 | Verified | Field value reflects source document |
| xxxxxx | 840701 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840701 | xxxxxx | Property Type | 2 Family | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840701 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840701 | xxxxxx | # of Units | 2 | 1 | Verified | Field value reflects source document |
| xxxxxx | 840701 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840701 | xxxxxx | Cash From Borrower | 0.00 | 334086.79 | Verified | Field value reflects source document |
| xxxxxx | 840701 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48 | 42.43619 | Verified | 1008 approved at 42.436%. |
| xxxxxx | 840701 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840708 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840708 | xxxxxx | Representative FICO | 764 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840708 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840708 | xxxxxx | Cash From Borrower | 0.00 | 177047.87 | Verified | Field value reflects source document |
| xxxxxx | 840708 | xxxxxx | Original HLTV | 0 | 79 | Verified | Field value reflects source document |
| xxxxxx | 840724 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840724 | xxxxxx | Cash To Borrower | 137886.00 | 199282.18 | Verified | Field value reflects source document |
| xxxxxx | 840724 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.347 | 43.89688 | Verified | Audit income |
| xxxxxx | 840724 | xxxxxx | Original HLTV | 0 | 21.25 | Verified | Field value reflects source document |
| xxxxxx | 840758 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 840758 | xxxxxx | Representative FICO | 735 | 753 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840758 | xxxxxx | Cash From Borrower | 0.00 | 27642.72 | Verified | Field value reflects source document |
| xxxxxx | 840758 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 840762 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 840762 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840762 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840762 | xxxxxx | Cash From Borrower | 0.00 | 106543.19 | Verified | Field value reflects source document |
| xxxxxx | 840762 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17 | 46.7068 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840762 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840772 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840772 | xxxxxx | Representative FICO | 732 | 806 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840772 | xxxxxx | Cash To Borrower | 225000.00 | 229519.51 | Verified | Field value reflects source document |
| xxxxxx | 840772 | xxxxxx | Original HLTV | 0 | 61.53846 | Verified | Field value reflects source document |
| xxxxxx | 840789 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840789 | xxxxxx | Cash From Borrower | 0.00 | 323059.36 | Verified | Field value reflects source document |
| xxxxxx | 840789 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840790 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840790 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840790 | xxxxxx | Cash To Borrower | 554754.00 | 532525.34 | Verified | Field value reflects source document |
| xxxxxx | 840790 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840796 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840796 | xxxxxx | Cash From Borrower | 0.00 | 123543.65 | Verified | Field value reflects source document |
| xxxxxx | 840796 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840797 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840797 | xxxxxx | Cash From Borrower | 0.00 | 256054.47 | Verified | Field value reflects source document |
| xxxxxx | 840797 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840798 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840798 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840817 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840817 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840817 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840839 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840839 | xxxxxx | Cash From Borrower | 0.00 | 390283.84 | Verified | Field value reflects source document |
| xxxxxx | 840839 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840865 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 840865 | xxxxxx | Cash From Borrower | 0.00 | 5448.22 | Verified | Field value reflects source document |
| xxxxxx | 840865 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.26 | 12.42003 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840865 | xxxxxx | Original HLTV | 0 | 66.01703 | Verified | Field value reflects source document |
| xxxxxx | 840907 | xxxxxx | Cash From Borrower | 0.00 | 15872.01 | Verified | Field value reflects source document |
| xxxxxx | 840907 | xxxxxx | Original HLTV | 0 | 94 | Verified | Field value reflects source document |
| xxxxxx | 840937 | xxxxxx | Cash From Borrower | 0.00 | 172626.17 | Verified | Field value reflects source document |
| xxxxxx | 840937 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.55 | 39.56966 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840937 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840951 | xxxxxx | Cash From Borrower | 0.00 | 177892.05 | Verified | Field value reflects source document |
| xxxxxx | 840951 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.783 | 37.06533 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840951 | xxxxxx | Original HLTV | 0 | 74.99996 | Verified | Field value reflects source document |
| xxxxxx | 840962 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840962 | xxxxxx | Cash From Borrower | 0.00 | 75781.19 | Verified | Field value reflects source document |
| xxxxxx | 840962 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840971 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840971 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840971 | xxxxxx | Cash From Borrower | 0.00 | 116673.05 | Verified | Field value reflects source document |
| xxxxxx | 840971 | xxxxxx | Investor: Qualifying Total Debt Ratio | 10 | 17.3727 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840971 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 840983 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840983 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840983 | xxxxxx | Cash From Borrower | 0.00 | 200563.24 | Verified | Field value reflects source document |
| xxxxxx | 840983 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 841062 | xxxxxx | Cash From Borrower | 0.00 | 116458.16 | Verified | Field value reflects source document |
| xxxxxx | 841062 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841092 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841092 | xxxxxx | Cash From Borrower | 0.00 | 156585.29 | Verified | Field value reflects source document |
| xxxxxx | 841092 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.961 | 37.01816 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841092 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841178 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841178 | xxxxxx | Cash To Borrower | 159667.50 | 160922.54 | Verified | Field value reflects source document |
| xxxxxx | 841178 | xxxxxx | Original HLTV | 0 | 22.73973 | Verified | Field value reflects source document |
| xxxxxx | 841191 | xxxxxx | Cash To Borrower | 125000.00 | 473811.38 | Verified | Field value reflects source document |
| xxxxxx | 841191 | xxxxxx | Original HLTV | 0 | 59.9374 | Verified | Field value reflects source document |
| xxxxxx | 841198 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841198 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841198 | xxxxxx | Cash From Borrower | 0.00 | 68826.48 | Verified | Field value reflects source document |
| xxxxxx | 841198 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841216 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841216 | xxxxxx | Original CLTV | 76.96892 | 80.00023 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 841216 | xxxxxx | Original LTV | 76.96892 | 80.00023 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 841216 | xxxxxx | Cash From Borrower | 0.00 | 224823.33 | Verified | Field value reflects source document |
| xxxxxx | 841216 | xxxxxx | Original HLTV | 0 | 80.00023 | Verified | Field value reflects source document |
| xxxxxx | 841217 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841217 | xxxxxx | Cash To Borrower | 290546.00 | 285257.76 | Verified | Field value reflects source document |
| xxxxxx | 841217 | xxxxxx | Original HLTV | 0 | 28.81844 | Verified | Field value reflects source document |
| xxxxxx | 841243 | xxxxxx | Cash From Borrower | 0.00 | 258138.61 | Verified | Field value reflects source document |
| xxxxxx | 841243 | xxxxxx | Investor: Qualifying Total Debt Ratio | 7.384 | 9.56878 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841243 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841283 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841283 | xxxxxx | Cash From Borrower | 0.00 | 104858.96 | Verified | Field value reflects source document |
| xxxxxx | 841283 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841288 | xxxxxx | Cash From Borrower | 0.00 | 344680.06 | Verified | Field value reflects source document |
| xxxxxx | 841288 | xxxxxx | Original HLTV | 0 | 79.99999 | Verified | Field value reflects source document |
| xxxxxx | 841299 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 841299 | xxxxxx | Cash From Borrower | 0.00 | 222884.53 | Verified | Field value reflects source document |
| xxxxxx | 841299 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.5 | 47.66111 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841299 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841300 | xxxxxx | Cash From Borrower | 0.00 | 235174.12 | Verified | Field value reflects source document |
| xxxxxx | 841300 | xxxxxx | Original HLTV | 0 | 67 | Verified | Field value reflects source document |
| xxxxxx | 841305 | xxxxxx | Cash From Borrower | 0.00 | 338778.03 | Verified | Field value reflects source document |
| xxxxxx | 841305 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841364 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841364 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841364 | xxxxxx | Cash To Borrower | 175272.18 | 176104.21 | Verified | Field value reflects source document |
| xxxxxx | 841364 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.42 | 49.15032 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841364 | xxxxxx | Original HLTV | 0 | 69.52381 | Verified | Field value reflects source document |
| xxxxxx | 841394 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841394 | xxxxxx | Cash From Borrower | 0.00 | 123771.95 | Verified | Field value reflects source document |
| xxxxxx | 841394 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 841555 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841555 | xxxxxx | Original CLTV | 93.17308 | 95 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 841555 | xxxxxx | Original LTV | 93.17308 | 95 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 841555 | xxxxxx | Cash From Borrower | 0.00 | 50422.13 | Verified | Field value reflects source document |
| xxxxxx | 841555 | xxxxxx | Original HLTV | 0 | 95 | Verified | Field value reflects source document |
| xxxxxx | 841565 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 841565 | xxxxxx | Representative FICO | 795 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841565 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841565 | xxxxxx | Cash From Borrower | 0.00 | 204228.68 | Verified | Field value reflects source document |
| xxxxxx | 841565 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12 | 27.05386 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841565 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841585 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841585 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 841585 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 841585 | xxxxxx | Cash To Borrower | 685167.00 | 685166.47 | Verified | Field value reflects source document |
| xxxxxx | 841585 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841599 | xxxxxx | Cash From Borrower | 0.00 | 463007.97 | Verified | Field value reflects source document |
| xxxxxx | 841599 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.6 | 30.6406 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841599 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841604 | xxxxxx | Original P&I | 1663.19 | 1663.18 | Verified | Field Value reflects Note value |
| xxxxxx | 841604 | xxxxxx | Cash From Borrower | 0.00 | 28951.54 | Verified | Field value reflects source document |
| xxxxxx | 841604 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.958 | 43.88139 | Verified | Audit income |
| xxxxxx | 841604 | xxxxxx | Original HLTV | 0 | 95 | Verified | Field value reflects source document |
| xxxxxx | 841605 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841605 | xxxxxx | Cash From Borrower | 0.00 | 128889.68 | Verified | Field value reflects source document |
| xxxxxx | 841605 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.249 | 45.4972 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841605 | xxxxxx | Original HLTV | 0 | 89 | Verified | Field value reflects source document |
| xxxxxx | 841651 | xxxxxx | Cash To Borrower | 30000.00 | 21863.40 | Verified | Field value reflects source document |
| xxxxxx | 841651 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 841660 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 841660 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841741 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841741 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841741 | xxxxxx | Cash From Borrower | 0.00 | 202230.21 | Verified | Field value reflects source document |
| xxxxxx | 841741 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841803 | xxxxxx | Cash To Borrower | 11901.00 | 113517.00 | Verified | Field value reflects source document |
| xxxxxx | 841803 | xxxxxx | Original HLTV | 0 | 13.91304 | Verified | Field value reflects source document |
| xxxxxx | 841877 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841877 | xxxxxx | Cash From Borrower | 0.00 | 378371.89 | Verified | Field value reflects source document |
| xxxxxx | 841877 | xxxxxx | Original HLTV | 0 | 63 | Verified | Field value reflects source document |
| xxxxxx | 841879 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841879 | xxxxxx | Cash From Borrower | 0.00 | 179459.81 | Verified | Field value reflects source document |
| xxxxxx | 841879 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841937 | xxxxxx | Cash To Borrower | 125000.00 | 153474.87 | Verified | Field value reflects source document |
| xxxxxx | 841937 | xxxxxx | Original HLTV | 0 | 13.02083 | Verified | Field value reflects source document |
| xxxxxx | 841973 | xxxxxx | Cash From Borrower | 0.00 | 105911.59 | Verified | Field value reflects source document |
| xxxxxx | 841973 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841976 | xxxxxx | Cash From Borrower | 0.00 | 154471.37 | Verified | Field value reflects source document |
| xxxxxx | 841976 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841982 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841982 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 841982 | xxxxxx | Cash From Borrower | 0.00 | 90480.80 | Verified | Field value reflects source document |
| xxxxxx | 841982 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841983 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 841983 | xxxxxx | Cash From Borrower | 0.00 | 281846.35 | Verified | Field value reflects source document |
| xxxxxx | 841983 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841985 | xxxxxx | Cash From Borrower | 0.00 | 134314.97 | Verified | Field value reflects source document |
| xxxxxx | 841985 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841987 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841987 | xxxxxx | Cash From Borrower | 0.00 | 130797.39 | Verified | Field value reflects source document |
| xxxxxx | 841987 | xxxxxx | Original HLTV | 0 | 79.18969 | Verified | Field value reflects source document |
| xxxxxx | 842034 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842034 | xxxxxx | Cash From Borrower | 0.00 | 12262.99 | Verified | Field value reflects source document |
| xxxxxx | 842034 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.27 | 26.17426 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842034 | xxxxxx | Original HLTV | 0 | 20 | Verified | Field value reflects source document |
| xxxxxx | 842041 | xxxxxx | Representative FICO | 693 | 679 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842041 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842043 | xxxxxx | Representative FICO | 815 | 819 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842315 | xxxxxx | Cash From Borrower | 0.00 | 336251.88 | Verified | Field value reflects source document |
| xxxxxx | 842315 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842627 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842678 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842678 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 842678 | xxxxxx | Cash From Borrower | 0.00 | 67525.53 | Verified | Field value reflects source document |
| xxxxxx | 842678 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842766 | xxxxxx | Cash From Borrower | 0.00 | 221549.26 | Verified | Field value reflects source document |
| xxxxxx | 842766 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843545 | xxxxxx | Representative FICO | 796 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843547 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843637 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843637 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843637 | xxxxxx | Cash From Borrower | 0.00 | 199677.00 | Verified | Field value reflects source document |
| xxxxxx | 843637 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.89 | 38.03163 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843637 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843801 | xxxxxx | Cash From Borrower | 0.00 | 108975.00 | Verified | Field value reflects source document |
| xxxxxx | 843801 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm2524220d1_ex99-3img001.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **xxxxxx Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Kroll Initial Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 817216 | xxxxxx | 31385204 | xxxxxx | 08/19/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Broker, xxxxxx. |  | Reviewer Comment (2024-09-06): Received Fraud Report. Exception cleared.<br>Reviewer Comment (2024-08-26): Received Fraud report does not contain the name of xxxxxx. Kindly provided updated fraud and ofac search for broker. | 09/06/2024 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 817216 | xxxxxx | 31385259 | xxxxxx | 08/19/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.01386% or Final Disclosure APR of 11.03900% is equal to or greater than the threshold of APOR 6.99% + 3.5%, or 10.49000%. Non-Compliant Higher Priced Mortgage Loan. | Delivery of the appraisal in file occurred xxxxxx which is not 3 days prior to consummation. The appraisal provided appears to be an updated appraisal as there is an earlier dated delivery in file dated prior to the completion of the current report. |  | Reviewer Comment (2024-09-24): The client elects to waive. The SOL date is xxxxxx <br>Reviewer Comment (2024-09-09): Loan is not a QM Loan and failed QM APOR testing. HPML loans require the appraisal to be delivered within 3 business days prior to closing. If the appraisal in file is an updated appraisal, provide the origination appraisal along with evidence of delivery within 3 days prior to closing and delivery of the updated appraisal.<br>Reviewer Comment (2024-09-06): The lender LOE is not acceptable. HPML loans require the appraisal to be delivered within 3 business days prior to closing. If the appraisal in file is an updated appraisal, provide the origination appraisal along with evidence of delivery within 3 days prior to closing and delivery of the updated appraisal. |  |  | 09/24/2024 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 817216 | xxxxxx | 31385260 | xxxxxx | 08/19/2024 | 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. (Type:Primary xxxxxx | Delivery of the appraisal in file occurred xxxxxx which is not 3 days prior to consummation. The appraisal provided appears to be an updated appraisal as there is an earlier dated delivery in file dated prior to the completion of the current report. |  | Reviewer Comment (2024-09-24): The client elects to waive. The SOL date is xxxxxx <br>Reviewer Comment (2024-09-09): Loan is not a QM Loan and failed QM APOR testing. HPML loans require the appraisal to be delivered within 3 business days prior to closing. If the appraisal in file is an updated appraisal, provide the origination appraisal along with evidence of delivery within 3 days prior to closing and delivery of the updated appraisal.<br>Reviewer Comment (2024-09-06): The lender LOE is not acceptable. HPML loans require the appraisal to be delivered within 3 business days prior to closing. If the appraisal in file is an updated appraisal, provide the origination appraisal along with evidence of delivery within 3 days prior to closing and delivery of the updated appraisal. |  |  | 09/24/2024 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31570691 | xxxxxx | 09/06/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included, the Settlement Agent is missing. The provided Closing Disclosure does not reflect settlement agent name. |  | Reviewer Comment (2024-10-16): Received Fraud and OFAC search run on the Settlement Agent. Exception cleared.<br>Reviewer Comment (2024-10-08): The name will need to be obtained as to who worked on the file and signed/approved final documents. The fraud report needs to be run on the individual name.<br>Reviewer Comment (2024-09-16): Received updated fraud report OFAC searches on Settlement agent company, however Fraud and OFAC must be provided for individual. Also the provided Closing Disclosure does not reflect settlement agent name. Exception remains. | 10/16/2024 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31570707 | xxxxxx | 09/06/2024 | Credit | Guideline | Guideline Issue | Guideline | Borrower is listed as self-employed with less than 50% ownership in the business. |  | Investor exception in file to allow income used to qualify from a business in which borrower is only 10% owner of. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2024-09-04): Client elects to waive with verified compensation factors |  |  | 09/04/2024 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31570720 | xxxxxx | 09/06/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | The guidelines require a copy of the Note and most recent mortgage statement. The original Note was only provided. |  | Reviewer Comment (2024-09-15): Mortgage statement provided | 09/15/2024 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31570722 | xxxxxx | 09/06/2024 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2024-09-04): Client elects to waive |  |  | 09/04/2024 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31570907 | xxxxxx | 09/06/2024 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2024-11-05): Appraisal provided | 11/05/2024 |  |  | 1 D A | N/A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31571224 | xxxxxx | 09/06/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.13879% or Final Disclosure APR of 11.22700% is equal to or greater than the threshold of APOR 6.69% + 3.5%, or 10.19000%. Non-Compliant Higher Priced Mortgage Loan. | HPML loans require an interior/exterior appraisal. |  | Reviewer Comment (2024-11-13): Client elects to waive. SOL 1 year expires xxxxxx<br>Reviewer Comment (2024-11-05): The appraisal has a completion date post-close. Completion date xxxxxx . The full appraisal would need to be completed prior to closing. |  |  | 11/13/2024 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31571225 | xxxxxx | 09/06/2024 | 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 (2024-09-04): Client elects to waive |  |  | 09/04/2024 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31571226 | xxxxxx | 09/06/2024 | 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 performed by a certified or licensed appraiser who conducted a physical visit to the property. | HPML loans require an interior/exterior appraisal |  | Reviewer Comment (2024-11-13): Client elects to waive. SOL 1 year expires xxxxxx<br>Reviewer Comment (2024-11-05): The appraisal has a completion date post-close. Completion date xxxxxx . The full appraisal would need to be completed prior to closing. |  |  | 11/13/2024 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31571227 | xxxxxx | 09/06/2024 | 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 (2024-09-04): Client elects to waive |  |  | 09/04/2024 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31571365 | xxxxxx | 09/06/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per final 1003, the following account marked as paid by business; xxxxxx, xxxxxx. The guidelines require the most recent 6-month canceled checks or bank statements of the business making the payments. Note: There is no evidence of 6 mo payments for xxxxxx or xxxxxx (these have NOT been excluded). File still needs 5 mo evidence for xxxxxx and 4 months for xxxxxx Credit. |  | Reviewer Comment (2024-11-07): Additional bank statements provided for exclusion of xxxxxx debt and additional bank statement provided for xxxxxx to support third party is paying ahead. No lates on gap report for any debt. Qualifies for exclusion.<br>Reviewer Comment (2024-11-04): 1) Update: Based on the bank statements in file for xxxxxx for #xxxxxx, statements 6/2023-7/2024 were provided. 2 payments were made for this debt on July 2023, Oct 2023, Feb 2024, April 2024 and June 2024. 12 months provided. 2) Still need the additional payments made by others for the xxxxxx debt as 12 months is required and only 6 months were provided.<br>Reviewer Comment (2024-10-15): The same documents were provided that were previously provided. Please review the comments from 9/15: 1) xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each, therefore excluded.<br>Reviewer Comment (2024-09-15): 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each. | 11/07/2024 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31578101 | xxxxxx | 09/06/2024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 56.27729% exceeds Guideline total debt ratio of 50.00000%. | Per final 1003, the following account marked as paid by business; xxxxxx. The guidelines require the most recent 6-month canceled checks or bank statements of the business making the payments. Note: There is no evidence of 6 mo payments for xxxxxx or xxxxxx (these have NOT been excluded). File still needs 5 mo evidence for xxxxxx and 4 months for xxxxxx Credit. |  | Reviewer Comment (2024-11-07): Additional bank statements provided for exclusion of xxxxxx debt and additional bank statement provided for xxxxxx to support third party is paying ahead. No lates on gap report for any debt. Qualifies for exclusion. DTI within guidelines.<br>Reviewer Comment (2024-11-04): 1) Update: Based on the bank statements in file for xxxxxx for #xxxxxx, statements 6/2023-7/2024 were provided. 2 payments were made for this debt on July 2023, Oct 2023, Feb 2024, April 2024 and June 2024. Based on how the history reads, the non-borrower was late on the payments for Jan 2024, March 2024 and May 2024. Per guidelines, debts paid by others cannot be delinquent. 2) Still need the additional payments made by others for the xxxxxx debt as 12 months is required and only 6 months were provided.<br>Reviewer Comment (2024-11-04): There is no evidence for xxxxxx for #xxxxxx from xxxxxx to xxxxxx . Also, only 6-month payment received for xxxxxx. Per Guidelines for debts paid by others require 12 month bank statement/cancelled checks. Exception remains.<br>Reviewer Comment (2024-10-29): Received Bank Statement for 12 months payment for xxxxxx however for May 2024 and December 2023 payment is missing. Also, only 6-month payment received for xxxxxx. Per Guidelines for debts paid by others require 12 month bank statement/cancelled checks. Exception remains.<br>Reviewer Comment (2024-10-15): The same documents were provided that were previously provided. Please review the comments from 9/15: 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each, therefore excluded.<br>Reviewer Comment (2024-09-15): 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx and xxxxxx paid by the business. 6 months payments provided for each. | 11/07/2024 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31578285 | xxxxxx | 09/06/2024 | 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. | Per final 1003, the following account marked as paid by business; xxxxxx, xxxxxx, xxxxxx, xxxxxx. The guidelines require the most recent 6-month canceled checks or bank statements of the business making the payments. Note: There is no evidence of 6 mo payments for xxxxxx or xxxxxx (these have NOT been excluded). File still needs 5 mo evidence for xxxxxx and 4 months for xxxxxx Credit. |  | Reviewer Comment (2024-11-07): Additional bank statements provided for exclusion of xxxxxx debt and additional bank statement provided for xxxxxx to support third party is paying ahead. No lates on gap report for any debt. Qualifies for exclusion. DTI within guidelines.<br>Reviewer Comment (2024-11-04): 1) Update: Based on the bank statements in file for xxxxxx for #xxxxxx, statements 6/2023-7/2024 were provided. 2 payments were made for this debt on July 2023, Oct 2023, Feb 2024, April 2024 and June 2024. Based on how the history reads, the non-borrower was late on the payments for Jan 2024, March 2024 and May 2024. Per guidelines, debts paid by others cannot be delinquent. 2) Still need the additional payments made by others for the xxxxxx debt as 12 months is required and only 6 months were provided.<br>Reviewer Comment (2024-10-15): The same documents were provided that were previously provided. Please review the comments from 9/15: 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each, therefore excluded.<br>Reviewer Comment (2024-09-15): 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each. | 11/07/2024 |  |  | 1 B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31578286 | xxxxxx | 09/06/2024 | 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. | Per final 1003, the following account marked as paid by business; xxxxxx. The guidelines require the most recent 6-month canceled checks or bank statements of the business making the payments. Note: There is no evidence of 6 mo payments for xxxxxx or xxxxxx (these have NOT been excluded). File still needs 5 mo evidence for xxxxxx and 4 months for xxxxxx. |  | Reviewer Comment (2024-11-07): Additional bank statements provided for exclusion of xxxxxx debt and additional bank statement provided for xxxxxx to support third party is paying ahead. No lates on gap report for any debt. Qualifies for exclusion. DTI within guidelines.<br>Reviewer Comment (2024-11-04): 1) Update: Based on the bank statements in file for xxxxxx for #xxxxxx, statements 6/2023-7/2024 were provided. 2 payments were made for this debt on July 2023, Oct 2023, Feb 2024, April 2024 and June 2024. Based on how the history reads, the non-borrower was late on the payments for Jan 2024, March 2024 and May 2024. Per guidelines, debts paid by others cannot be delinquent. 2) Still need the additional payments made by others for the xxxxxx debt as 12 months is required and only 6 months were provided.<br>Reviewer Comment (2024-10-15): The same documents were provided that were previously provided. Please review the comments from 9/15: 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each, therefore excluded.<br>Reviewer Comment (2024-09-15): 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each. | 11/07/2024 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 31578287 | xxxxxx | 09/06/2024 | 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 56.27729% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | Per final 1003, the following account marked as paid by business; xxxxxx. The guidelines require the most recent 6-month canceled checks or bank statements of the business making the payments. Note: There is no evidence of 6 mo payments for xxxxxx (these have NOT been excluded). File still needs 5 mo evidence for xxxxxx and 4 months for xxxxxx. |  | Reviewer Comment (2024-11-07): Additional bank statements provided for exclusion of xxxxxx debt and additional bank statement provided for xxxxxx to support third party is paying ahead. No lates on gap report for any debt. Qualifies for exclusion. DTI within guidelines.<br>Reviewer Comment (2024-11-04): 1) Update: Based on the bank statements in file for xxxxxx for #xxxxxx, statements 6/2023-7/2024 were provided. 2 payments were made for this debt on July 2023, Oct 2023, Feb 2024, April 2024 and June 2024. Based on how the history reads, the non-borrower was late on the payments for Jan 2024, March 2024 and May 2024. Per guidelines, debts paid by others cannot be delinquent. 2) Still need the additional payments made by others for the xxxxxx debt as 12 months is required and only 6 months were provided.<br>Reviewer Comment (2024-10-15): The same documents were provided that were previously provided. Please review the comments from 9/15: 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each, therefore excluded.<br>Reviewer Comment (2024-09-15): 1) xxxxxx and xxxxxx are paid by others vs. the business. 5 months bank statements provided for xxxxxx and 6 months bank statements provided for xxxxxx. Guidelines for debts paid by others requires 12 months bank statements/cancelled checks. 2) xxxxxx paid by the business. 6 months payments provided for each. | 11/07/2024 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | 32069364 | xxxxxx | 11/07/2024 | 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. (Type:Secondary xxxxxx |  |  | Reviewer Comment (2024-11-13): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 11/13/2024 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | 32248268 | xxxxxx | 11/29/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | No costs were disclosed on the Final CD |  | Reviewer Comment (2024-12-04): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-12-03): xxxxxx received Post CD. However, we would also require LOX to the borrower in order to cure the exception. |  | 12/04/2024 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | 32248276 | xxxxxx | 11/29/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. No Taxes/Insurance disclosed on the Final CD |  | Reviewer Comment (2024-12-04): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-12-03): xxxxxx received Post CD. However, we would also require LOX to the borrower in order to cure the exception. |  | 12/04/2024 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | 32248277 | xxxxxx | 11/29/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. |  | Reviewer Comment (2024-12-04): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-12-04): xxxxxx received Post CD. However, we would also require LOX to the borrower in order to cure the exception. |  | 12/04/2024 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | 32248308 | xxxxxx | 11/29/2024 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Appraisal Fee, Credit Report Fee, Flood Certification (Life Of Loan) |  |  | Reviewer Comment (2024-11-29): The client elects to waive. |  |  | 11/29/2024 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | 32252775 | xxxxxx | 11/29/2024 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Judgment on title #15 xxxxxx $56,294.79. Conditional payoff in file. Cannot see where all conditions were met and only $20,000 on final CD. Unable to determine if this has been paid in full. |  | Reviewer Comment (2024-12-09): Satisfaction provided<br>Reviewer Comment (2024-12-06): There is no evidence of the payment for $11,120 was made. Only received copy of $20,000 check. Provide the clear title policy.<br>Reviewer Comment (2024-12-04): The same document was provided that was in file at time of review. The judgment is for $56,294.79. There is a conditional payoff in file. Only $20,000 was paid. Provided the clear and final title policy or supplement from title company stating lien will not appear on FTP. | 12/09/2024 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | 32252979 | xxxxxx | 11/29/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for NSF's exceeding maximum allowed. Verified 15 NSF in the past 12 months. LOE in file from Borrower | 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 has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2024-11-29): The client elects to waive. Bank statements support no NSFs within the most recent 2 months, residual income of $70,000, and the borrower has been in the same industry for 37 years. |  |  | 11/29/2024 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832934 | xxxxxx | 33064846 | xxxxxx | 03/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC missing for Settlement Agent- xxxxxx. |  | Reviewer Comment (2025-05-08): Received OFAC/GSA/LDP/HUD searches for settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-23): Requested document was not received. Provide Fraud and OFAC search for settlement agent, xxxxxx. Exception remains. | 05/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 832934 | xxxxxx | 33064852 | xxxxxx | 03/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-14): Approval provided | 04/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 832934 | xxxxxx | 33064858 | xxxxxx | 03/21/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2025-04-14): Spousal consent provided | 04/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 832934 | xxxxxx | 33094868 | xxxxxx | 03/21/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: 1522.00 |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-14): The document provided is not acceptable. The lien specific release must be provided for the xxxxxx state tax lien on the background report filed in xxxxxx for unemployment tax for the tax year 2013. Docket xxxxxx. |  |  | 05/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 832934 | xxxxxx | 33094897 | xxxxxx | 03/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence of what mortgage lien is on the primary or evidence fee and clear. |  | Reviewer Comment (2025-05-21): Per client email, accepting LOE regarding address discrepancies with updated application and fraud report. Mortgage is on credit with updated mortgage statement/history.<br>Reviewer Comment (2025-05-21): Received updated application and fraud report. However, investor still need to advise if they are accepting the LOE with all discrepancies on primary address. Assigned to investor.<br>Reviewer Comment (2025-05-20): Email to investor: And yes, that is correct. If xxxxxx is accepting the LOE, then updated fraud and application to clear as you will not be able to pull a new credit report prior to closing.<br>Reviewer Comment (2025-05-20): Received LOX. However, there is discrepancy between the documents provided. LOX reflects primary address as xxxxxx vs Application, Fraud Report and Credit Report reflects primary address xxxxxx. Exception remains.<br>Reviewer Comment (2025-05-15): Unclear why documents were provided for property on xxxxxx as the application reflects the borrower lives at xxxxxx, which is also the primary address run on the Fraud Report and primary address on the borrower's driver's license. As noted on xxxxxx it is not know if the borrower is living rent free or renting the property on xxxxxx as the application does not have a section for rent or owned. If the borrower is living rent free, provide the borrower LOE for this. If renting, provide the VOR. If from a private landlord, 6 months borrower pay history will also be required.<br>Reviewer Comment (2025-05-07): Email to investor: The current application does not have a section for rent or owned for the primary so the application does not need to be updated. However, we do not know if the borrower is living rent free or if they are renting the current primary to determine documentation requirements.<br>Reviewer Comment (2025-05-07): Received Property History Report, reflecting borrower is not owner of the primary residence. Provide corrected application to reflect, if borrower living rent free or on rent. If borrower is staying on rented house, then provide VOR. Exception remains.<br>Reviewer Comment (2025-04-23): Received Fax Request is for the subject property, the document requested is for the document to verify property free and clear. Exception remains.<br>Reviewer Comment (2025-04-14): The payoff provided is for the subject property. Please review the original condition. Provide evidence of what mortgage lien is on the primary or evidence fee and clear. | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 830991 | xxxxxx | 33096176 | xxxxxx | 03/27/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-03-31): Received E-Sign Consent Agreement. Exception cleared. | 03/31/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33096201 | xxxxxx | 03/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-03-31): Received Tax Certificate. Exception cleared. | 03/31/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33113599 | xxxxxx | 03/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-03-31): Received Fraud Report and OFAC search run on Settlement Agent, xxxxxx. Exception cleared. | 03/31/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33113636 | xxxxxx | 03/27/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Copy of Title is missing. |  |  |  | Reviewer Comment (2025-04-01): Received Title Commitment. Exception cleared. | 04/01/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33113676 | xxxxxx | 03/27/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI and RCE city do not match the Note. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-16): Updated RCE provided. However, please review comments from xxxxxx: The HOI policy provided reflects changes took effect xxxxxx & xxxxxx , both which are post close and not acceptable.<br>Reviewer Comment (2025-04-11): The policy provided reflects changes took effect xxxxxx which is post-close and not acceptable. Further, the corrected RCE was still not provided.<br>Reviewer Comment (2025-04-07): The updated policy is dated post-close and not acceptable. Further, the updated RCE was not provided either. |  |  | 04/16/2025 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33152598 | xxxxxx | 04/01/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-04-02): FTP provided | 04/02/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33152599 | xxxxxx | 04/01/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-04-02): FTP provided | 04/02/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832932 | xxxxxx | 33102297 | xxxxxx | 03/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants must be included in the fraud report as follows: Borrowers and Settlement Agents |  | Reviewer Comment (2025-05-15): Received HUD/GSA/LDP search for settlement agent. Exception cleared.<br>Reviewer Comment (2025-05-09): Received Attestation reflecting xxxxxx-xxxxxx and xxxxxx as settlement agent. Provide Fraud and OFAC search for Settlement Agent, xxxxxx-xxxxxx and xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-16): Received OFAC search for xxxxxx. However Closing Statement does not reflect settlement agent name. Provide document to verify settlement agent name. Also, provide HUD/GSA/LDP or updated fraud report. Exception remains. | 05/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 832932 | xxxxxx | 33102362 | xxxxxx | 03/27/2025 | 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 |  | ARR reflects an appraisal with an effective date of xxxxxx was reviewed, but effective date of the appraisal in the file is xxxxxx . |  | Reviewer Comment (2025-05-09): xxxxxx appraisal provided<br>Reviewer Comment (2025-05-02): The ARR provided was completed by a different appraisal on the new appraisal. This indicates the original ARR was done on a different appraisal. This appraisal, since it is a new appraisal and not an update to the appraisal in file, will need to be provided for review. | 05/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 835122 | xxxxxx | 33185212 | xxxxxx | 04/08/2025 | 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 $675.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $500.00 on the Loan Estimate, but was disclosed as $675.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $175.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-05-14): xxxxxx Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-13): xxxxxx received PCCD, LOE and copy of refund check. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-04-28): xxxxxx: The COC that was provided in the trailing images was also provided in the original loan package indicate that appraisal fee updated off invoice. Also, the receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. If there was an additional reason the fee was increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. |  | 05/14/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835122 | xxxxxx | 33185771 | xxxxxx | 04/08/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-02): CDA received<br>Reviewer Comment (2025-04-29): CDA will be ordered | 05/02/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835122 | xxxxxx | 33185824 | xxxxxx | 04/08/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-28): Received E-Sign Consent Agreement. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835122 | xxxxxx | 33189855 | xxxxxx | 04/08/2025 | 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 $679.00 exceeds tolerance of $384.00 plus 10% or $422.40. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $679.00 exceeds tolerance of $384.00 plus 10% or $422.40. Insufficient or no cure was provided to the borrower. Dif is $295.00 Attorney review fee. |  | Reviewer Comment (2025-05-14): xxxxxx Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-13): xxxxxx received PCCD, LOE and copy of refund check. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 05/14/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835122 | xxxxxx | 33198604 | xxxxxx | 04/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . xxxxxx/S-Corp) |  |  | Reviewer Comment (2025-04-07): Client elects to waive |  |  | 04/07/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835122 | xxxxxx | 33198605 | xxxxxx | 04/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . xxxxxx/Partnership) |  |  | Reviewer Comment (2025-04-07): Client elects to waive |  |  | 04/07/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835122 | xxxxxx | 33198606 | xxxxxx | 04/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . xxxxxx/Partnership) |  |  | Reviewer Comment (2025-04-07): Client elects to waive |  |  | 04/07/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835122 | xxxxxx | 33368689 | xxxxxx | 04/29/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  | Reviewer Comment (2025-05-02): CDA received<br>Reviewer Comment (2025-05-02): Valuation Received - xxxxxx  | 05/02/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830600 | xxxxxx | 33203317 | xxxxxx | 02/17/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is missing in file. |  | Reviewer Comment (2025-02-22): Received | 02/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 830600 | xxxxxx | 33203318 | xxxxxx | 02/17/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Lender approved exception at origination to extend credit report date 3 days; however, comp factor provided is not valid. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-02-22): Waived with compensating factors per lender exception approval. |  |  | 02/22/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 830382 | xxxxxx | 33221649 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-05-13): Received Trust Agreement. Exception cleared.<br>Reviewer Comment (2025-04-16): Received Trust Agreement, however the document requested is for Guarantor Agreement. Exception remains. | 05/13/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 830382 | xxxxxx | 33224516 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-04-17): Received SAM search for settlement agent, xxxxxx. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 830382 | xxxxxx | 33228910 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The NOO is only signed. Investment is not checked. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-22): Received updated Occupancy Certificate with tick on both the boxes. Provide borrower's initial on both the ticks to verify/acknowledge changes has been done by borrower. Exception remains.<br>Reviewer Comment (2025-04-17): On provided Occupancy Certification refinance only is tick. Provide Non-Owner Occupancy Declaration with both Investment and Refinance only tick. Exception remains.<br>Reviewer Comment (2025-04-16): Received Occupancy certificate, check box checked on Investment Property, however check box not checked on Refinance Only, also provide borrower's initial on both the check box to validate changes has been made by borrower. Exception remains. |  |  | 06/02/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 831614 | xxxxxx | 33279518 | xxxxxx | 04/18/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City does not match | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-06): Client elects to waive with verified compensation factors |  |  | 06/06/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 831614 | xxxxxx | 33279531 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxxxx, Settlement Agent parties to the transaction is Missing in the Fraud Report and OFAC searches. |  | Reviewer Comment (2025-05-21): Received HUD/LDP list. Exception cleared.<br>Reviewer Comment (2025-04-24): Received SAM.gov. Provide HUD/LDP. Exception remains.<br>Reviewer Comment (2025-04-22): Received OFAC search run on settlement agent. Provide HUD/LDP. Exception remains. | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 831614 | xxxxxx | 33279819 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Box in section at bottom of disclosure, "This Property is not and will not be occupied by me or any member of the LLC or any family member", was not checked and initialed.. |  | Reviewer Comment (2025-06-02): Received updated Business Purpose Certificate with the required box checked at the bottom of the disclosure by the borrower. Exception cleared. | 06/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834107 | xxxxxx | 33288405 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Business Loan Rider is missing |  | Reviewer Comment (2025-06-09): Received evidence of delivery to the borrower via email. Exception cleared.<br>Reviewer Comment (2025-06-04): Received the corrected and executed DOT with Business Rider, Prepayment rider and intent to re-record. Provide LOE to borrower, evidence of delivery to the borrower. Exception remains. | 06/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 834107 | xxxxxx | 33291373 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Final CD reflects a PPP. |  | Reviewer Comment (2025-06-05): PPP rider provided. Note reflects to refer to PPP rider.<br>Reviewer Comment (2025-06-04): Received Prepayment Rider. Provide Note Addendum - Prepayment. Exception remains. | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | Yes | Property Focused |
| xxxxxx | 835464 | xxxxxx | 33309530 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Wire Ticket |  | Reviewer Comment (2025-04-24): Wire ticket provided | 04/24/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 835464 | xxxxxx | 33312594 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC not provided on Settlement Agent. |  | Reviewer Comment (2025-05-21): Received GSA/ HUP/LDP for Settlement Agent. Exception cleared.<br>Reviewer Comment (2025-04-29): Received HUD/LDP. Provide GSA. Exception remains.<br>Reviewer Comment (2025-04-25): Received OFAC for settlement agent. Provide HUD/GSA/LDP or updated fraud report. Exception remains. | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 835464 | xxxxxx | 33316398 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard insurance does not indicate it included xxxxxx coverage as required per the guidelines. |  | Reviewer Comment (2025-04-24): Agent email provided stating water damage is included for policy | 04/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 835464 | xxxxxx | 33316442 | xxxxxx | 04/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per investor overlays, provide evidence the borrower's primary residence on xxxxxx flood is owned free and clear or provide the 12 month mortgage history via 12 month VOM or creditor pay history, 6 months borrower's pay history via cancelled checks/bank statements, and Note or mortgage statement. If borrower rents, provide the 12 month VOR. If from a private part, 6 months borrower's pay history via cancelled checks/bank statements will be required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): Received VOM, Pay history and Mortgage is for the subject property. However the document requested for the primary property. Please provide the document requested on the original condition. Exception remains.<br>Reviewer Comment (2025-06-03): As previously noted, the investor has overlays to the lender's guidelines. The documentation is required per the original condition.<br>Reviewer Comment (2025-05-20): Lender would like to waive<br>Reviewer Comment (2025-05-20): The investor has overlays to the lender's guidelines. The documentation is required. |  |  | 06/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 835464 | xxxxxx | 33316447 | xxxxxx | 04/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the subject property does not appear on credit. Per investor overlays, provide the 12 month VOM or pay history from creditor, mortgage statement or Note, and borrower's 6 month pay history via bank statements/cancelled checks. Mortgage Payoff provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): Received VOM, Pay history from creditor and Security Instrument. Pending receipt of mortgage statement or Note and borrower's 6 month pay history via bank statements/cancelled checks. Exception remains.<br>Reviewer Comment (2025-06-03): As previously noted, the investor has overlays to the lender's guidelines. The documentation is required per the original condition.<br>Reviewer Comment (2025-05-20): Lender would like to waive<br>Reviewer Comment (2025-05-20): The investor has overlays to the lender's guidelines. The documentation is required. |  |  | 06/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 835394 | xxxxxx | 33326322 | xxxxxx | 04/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note address xxxxxx flood cert |  | Reviewer Comment (2025-05-02): Updated flood cert provided | 05/02/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835394 | xxxxxx | 33326595 | xxxxxx | 04/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-02): OFAC searches provided for additional red flags<br>Reviewer Comment (2025-05-01): The only item received was an LOE. Please review comments from 4/30: Updated fraud report provided, however additional red flags populated that need to be addressed (OFAC for escrow and HUD settlement agent xxxxxx and xxxxxx<br>Reviewer Comment (2025-04-30): Updated fraud report provided, however additional red flags populated that need to be addressed (OFAC for escrow and HUD settlement agent xxxxxx and xxxxxx | 05/02/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835394 | xxxxxx | 33336155 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) 2022/2023 personal returns are not signed and dated by the borrower 2) The 2022/2023 business returns are signed but not dated by the borrower 3) 2024 P&L is not signed and dated by the borrower. 4) 2025 signed and dated YTD P&L required. All are guideline requirements. Transcripts cannot be accepted in lieu of. |  | Reviewer Comment (2025-04-30): Signed and dated personal and business returns provided, 2024 signed and dated P&L provided, 2025 signed and dated P&L provided. | 04/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835394 | xxxxxx | 33336459 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification |  |  | Reviewer Comment (2025-05-01): Received LOX for no HOI policy. Exception cleared. | 05/01/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835394 | xxxxxx | 33336494 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence of the 2nd lien P&I. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): Assigned to investor. The investor will need to advise if they are accepting the initial LE as proof of payment for the second P&I on property. Appears borrower is in the process of taking out a new second lien. It is not clear if things will change along the way which would increase the payment. If investor does not accept, condition will need to be waived with verified compensation factors or wait until second lien has funded as it is currently in the Doc Out stage (loan cleared to close on xxxxxx per lender screen shot)<br>Reviewer Comment (2025-05-01): Final 1003 application reflects 2nd lien with monthly payment xxxxxx and Unpaid Balance of xxxxxx with account number xxxxxx. Exception remains. |  |  | 05/05/2025 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33334909 | xxxxxx | 04/29/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Final 1003, Section 5 dec page, is not completed. |  | Reviewer Comment (2025-04-30): Received corrected 1003. Exception cleared. | 04/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33334983 | xxxxxx | 04/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust Agreement is missing for account xxxxxx. |  | Reviewer Comment (2025-07-02): Received Trust Agreement for account xxxxxx. Exception cleared. | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33335046 | xxxxxx | 04/29/2025 | 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 (2025-04-28): Client elects to waive |  |  | 04/28/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33335047 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | Lender information is incomplete on the Final CD (Lender NMLS ID) |  | Reviewer Comment (2025-05-05): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-04-30): Provided PCCD is missing NMLS ID number. Please provide PCCD and LOE to cure. |  | 05/05/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33335049 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Page 4 of the Final CD reflects non-escrowed property costs over Year 1 as $0. Property has non-escrowed PUD dues. |  | Reviewer Comment (2025-05-06): xxxxxx received corrected PCCD and LOE<br>Reviewer Comment (2025-04-30): xxxxxx received PCCD, but is missing LOE. Please provide LOE to complete cure. |  | 05/06/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33335050 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final xxxxxx) | Page 4 of the Final CD reflects non-escrowed property costs included in the monthly escrow payment. |  | Reviewer Comment (2025-07-07): Cure docs provided<br>Reviewer Comment (2025-04-30): xxxxxx received PCCD, but is missing LOE. Please provide LOE to complete cure. |  | 07/07/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33335053 | xxxxxx | 04/29/2025 | 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 $1,000.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33341751 | xxxxxx | 04/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Modification Approval / Workout Agreement not provided |  | Provide Modification Agreement for xxxxxx per the credit report. |  | Reviewer Comment (2025-04-30): Mod provided from 2022. 12 months timely payments made since Mod. | 04/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33341806 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final xxxxxx) | Page 4 of the Final CD reflects non-escrowed property costs included in the monthly escrow payment. |  | Reviewer Comment (2025-07-07): Cure docs provided |  | 07/07/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33362271 | xxxxxx | 04/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide Final Closing Disclosure or Settlement Statement for the property located on xxxxxx. Final 1003 reflects pending sale. Must be dated at or prior to closing or provide the purchase contract signed reflecting all financing contingencies removed (per guidelines). |  | Reviewer Comment (2025-05-07): PC provided noting financial contingencies removed.<br>Reviewer Comment (2025-05-07): Received Purchase contract for the property located at xxxxxx. Pending receipt of Confirmation that any financing contingencies have been cleared. Exception remains.<br>Reviewer Comment (2025-05-06): The loan file does not contain an executed purchase contract for this property on xxxxxx nor evidence that any financing contingencies have been cleared.<br>Reviewer Comment (2025-04-30): Received Closing Disclosure is for the subject property, however the document requested is for final Closing Disclosure or Settlement Statement for the property located on xxxxxx. Exception remains. | 05/07/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | 33362318 | xxxxxx | 04/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per guidelines, full doc loans require rental income to be qualified off of signed and dated tax returns, including Schedule E. The lender utilized lease agreements to qualify and tax returns were not provided. Properties on xxxxxx have leases from either 2023 or 2024. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-16): The returns for 2024 and 2025 were provided, however they are not signed and dated by the borrower. Income recalculated based off Schedule E with the exception of 1 REO as leased just started and active for 2 months in 2024.<br>Reviewer Comment (2025-07-07): Receive 1040 however 1040 are not signed and dated. Also provide a copy of the extension. Exception remains. |  |  | 07/16/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835325 | xxxxxx | 33359235 | xxxxxx | 05/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Ticket to Settlement Agent |  | Reviewer Comment (2025-05-05): Wire ticket provided | 05/05/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 835325 | xxxxxx | 33359382 | xxxxxx | 05/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent and seller. |  | Reviewer Comment (2025-06-06): Received GSA/HUD/LDP for seller. Exception cleared.<br>Reviewer Comment (2025-06-04): Received HUD/GSA for settlement agent. However received GSA and HUD is for business entity. Provide HUD/GSA/LDP search for xxxxxx. Exception remains.<br>Reviewer Comment (2025-05-21): Received GSA for settlement agent. Provide HUD/GSA/LDP for seller and HUD/LDP for settlement agent. Exception remains.<br>Reviewer Comment (2025-05-06): Received OFAC search for settlement agent and Seller. Provide HUD/GSA/LDP search. Exception remains. | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 835325 | xxxxxx | 33383059 | xxxxxx | 05/02/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The HOI does not state wind and hail is covered. |  | Reviewer Comment (2025-05-05): Agent email provided reflecting coverage | 05/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 836542 | xxxxxx | 33363274 | xxxxxx | 05/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage lien for the subject property does not appear on the credit report for xxxxxx. Payoff and mortgage statement provided. Provide proof of payments through one of the following: <br> o 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic<br> payment method from the borrower<br> § Payments made in cash are not eligible, or<br> o 12-months mortgage statements for the review period, or<br> o 12-months loan payment history from the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required, or<br> o 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required |  | Reviewer Comment (2025-05-28): Received 12-months bank transfer. Exception cleared. | 05/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 832841 | xxxxxx | 33400783 | xxxxxx | 05/08/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-05-28): FTP provided | 05/28/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 832841 | xxxxxx | 33400814 | xxxxxx | 05/08/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-05-28): FTP provided | 05/28/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 833733 | xxxxxx | 33401382 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  | Reviewer Comment (2025-05-16): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared.<br>Reviewer Comment (2025-05-12): Received Fraud Report, however Fraud and OFAC searches not run on Seller, xxxxxx. Exception remains. | 05/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 833733 | xxxxxx | 33401434 | xxxxxx | 05/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  | Provide the Citizenship Affidavit for Guarantor, xxxxxx. |  | Reviewer Comment (2025-05-15): Received Citizenship Affidavit. Exception cleared. | 05/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 833733 | xxxxxx | 33401435 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-05-19): Received Articles of Organization/Formation. Exception cleared.<br>Reviewer Comment (2025-05-15): Received operating agreement. However, the document requested is for filed Articles of Organization/Formation. Exception remains. | 05/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 833733 | xxxxxx | 33401458 | xxxxxx | 05/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide the currency convertor with historical rates via either www.xe.com or the Wall Street Journal for account xxxxxx with account balance 397,025.66C. Converters in file are from another source. |  | Reviewer Comment (2025-05-16): Received Currency Convertor from XE.com. Exception cleared.<br>Reviewer Comment (2025-05-15): Received Operating agreement and Citizenship affidavit. However the document requested was not received. Provide document as requested on original condition. Exception remains. | 05/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 833733 | xxxxxx | 33403250 | xxxxxx | 05/08/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The Flood Certificate in file reflects flood zone xxxxxx with an updated map date of xxxxxx The appraisal in file reflects flood zone xxxxxx using an older map date of xxxxxx Provide the updated appraisal. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-05-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-21): The LOE is not acceptable. The appraisal must be updated with the correct information. Investor can elect to waive with verified compensation factors. |  |  | 05/27/2025 | 2 D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 835639 | xxxxxx | 33402895 | xxxxxx | 05/08/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-05-20): Email from title regarding corrections received.<br>Reviewer Comment (2025-05-20): A lender attestation is not acceptable for this. If title corrected the policy then there would be an email or something from title validating this.<br>Reviewer Comment (2025-05-15): All pages of the corrected title are required. Further, the incorrect and correct title polices are dated the same. Provide evidence of which was provided last (i.e. email from title with updates). | 05/20/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835639 | xxxxxx | 33402980 | xxxxxx | 05/08/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 does not have the mortgage lien information for the primary residence in the REO section. Per note and checks provided there is mortgage lien in the amount of $200,000 on the primary residence. Provide the updated 1003. |  | Reviewer Comment (2025-05-22): Updated 1003 provided | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835639 | xxxxxx | 33404419 | xxxxxx | 05/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. Assets limited to ownership %. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-30): Received CPA letter is dated post closing, also preparer's License number is not updated. Please provide CPA Letter dated prior to closing with all the required details. Exception remains. |  |  | 06/02/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837252 | xxxxxx | 33407750 | xxxxxx | 05/09/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  | Reviewer Comment (2025-05-12): Final stamped settlement statement provided with updated disbursement date. | 05/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837252 | xxxxxx | 33407981 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud search not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-05-12): Received updated Fraud Report. Fraud and OFAC search run for Settlement Agent, xxxxxx. Exception cleared. | 05/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836920 | xxxxxx | 33410646 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Filing receipt only in file |  | Reviewer Comment (2025-06-05): Articles provided<br>Reviewer Comment (2025-05-15): Received Operating Agreement and Certificate of Status. Provide filed Articles of Organization/Formation. Exception remains. | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 834220 | xxxxxx | 33410774 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-05-30): Received Business Purpose Certificate. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834220 | xxxxxx | 33410780 | xxxxxx | 05/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-16): Received appraisal report reflects the property is Tenant occupies. Therefore provide lease agreement. Exception remains. |  |  | 05/19/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834220 | xxxxxx | 33412995 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-15): Received updated Fraud Report. Fraud and OFAC searches run on settlement agent, xxxxxx. Exception Cleared. | 05/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | 33410810 | xxxxxx | 05/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for subject property does not appear on the credit report. Payoff and 12 month servicer pay history provided. Provide the Note or Mortgage statement and borrower's 6 month pay history via bank statements/cancelled checks. |  | Reviewer Comment (2025-05-22): Received business 6 months bank statement. Exception cleared.<br>Reviewer Comment (2025-05-14): Received 12 month servicer pay history. However, provide Note or Property History report or business 6 months bank statement to verify mortgage is being paid by business. Exception remains. | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | 33410817 | xxxxxx | 05/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-05-14): FTP provided | 05/14/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | 33410819 | xxxxxx | 05/09/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-05-14): FTP provided | 05/14/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | 33416614 | xxxxxx | 05/09/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Flood Insurance City does not match the Note. xxxxxx is missing. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-12): As noted on xxxxxx, the policy provided reflects the correction to the city became effective xxxxxx which is post-close and not acceptable. The policy effective date has no bearing on corrections.<br>Reviewer Comment (2025-06-11): The policy corrected prior to closing has a reduced coverage of $200,000 which is insufficient and increased premium of $938 which was not collected in escrow. Another policy was provided with coverage increased back to $250,000 adding in the correct city, however endorsement became effective xxxxxx which is post close and not acceptable. |  |  | 06/16/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | 33416616 | xxxxxx | 05/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines allow up to 2 acres; however, the subject has xxxxxx. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors |  |  | 05/14/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | 33442259 | xxxxxx | 05/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Page 1 of the DOT vesting has the borrower's name spelled incorrectly. Should be xxxxxx vs. xxxxxx. Provide the corrected and executed DOT correcting name, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): Received corrected DOT + Riders and Lender's Letter of intent to re-record. Pending receipt of LOE to borrower and evidence of delivery to borrower.<br>Reviewer Comment (2025-05-14): Based on investor email post-review |  |  | 06/09/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | 33453145 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The Final Title Policy provided reflects vesting as our borrower, a married man. Per the DOT, both borrower and non-borrower are vested wife and husband. |  | Reviewer Comment (2025-05-20): Endorsement to FTP provided with updated vesting.<br>Reviewer Comment (2025-05-15): The FTP is not correct. Item #3 on title is how the title is vested. Item #4 which reflects husband and wife is the recorded mortgage which is not the same. Provide the updated FTP.<br>Reviewer Comment (2025-05-14): Based on FTP provided post-review | 05/20/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836405 | xxxxxx | 33411210 | xxxxxx | 05/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-19): Received Title Supplement with the coverage amount. Exception cleared. | 05/19/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836405 | xxxxxx | 33416659 | xxxxxx | 05/09/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The initial and final 1003, dec page, reflects intent to occupy. Provide the updated 1003 and lender attestation on error. |  | Reviewer Comment (2025-05-13): Corrected 1003 and lender attestation provided | 05/13/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836405 | xxxxxx | 33416674 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The Note reflects to see the PPP attached. |  | Reviewer Comment (2025-05-22): LOE and evidence of delivery provided<br>Reviewer Comment (2025-05-20): PPP is signed and dated post-close. Provide the LOE to borrower and evidence of delivery to the borrower. | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | Yes | Property Focused |
| xxxxxx | 836405 | xxxxxx | 33488321 | xxxxxx | 05/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A PPP rider to the DOT was provided post-review, however the DOT does not check a PPP rider is attached. Provide the corrected DOT to include rider, LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-20): Client elects to waive with verified compensation factors |  |  | 05/20/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 830008 | xxxxxx | 33404966 | xxxxxx | 04/22/2025 | 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. | Address: xxxxxx Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx | The property is located in Fema disaster area. Provide a post-disaster inspection verifying there is no damage. The inspection must include exterior photos and the property must be re-inspected on or after xxxxxx declared end date. |  | Reviewer Comment (2025-04-24): Received appraisal. Condition cleared. | 04/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 830008 | xxxxxx | 33404967 | xxxxxx | 04/22/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Address: xxxxxx Note date: xxxxxx; Lien Position: 1 | The file is missing a copy of the secondary valuation required for securitization purposes. |  | Reviewer Comment (2025-04-24): Received appraisal. Condition cleared. | 04/24/2025 |  |  | 1 D A | D A | D | A D | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 830008 | xxxxxx | 33404968 | xxxxxx | 04/22/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: xxxxxx |  |  | Reviewer Comment (2025-04-24): Received appraisal. Condition cleared. | 04/24/2025 |  |  | 1 D A | D A | D | A D | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 834966 | xxxxxx | 33414046 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Business Purpose Certificate is missing the following information: Loan Closing Date, Lender Name, Loan Amount, Property Address and Borrower name in signature line. |  | Reviewer Comment (2025-05-28): Received updated Business Purpose Certificate reflecting correct address as xxxxxx. Exception cleared.<br>Reviewer Comment (2025-05-22): The same BP Cert was provided that was provided on xxxxxx Please review previous comments. The unit number is incorrect. Docs reflect xxxxxx vs xxxxxx.<br>Reviewer Comment (2025-05-21): Received the Business Purpose; however, the property address reflects xxxxxx whereas property address is xxxxxx. Exception remains.<br>Reviewer Comment (2025-05-16): Received the Business Purpose and Occupancy Affidavit; however, the property address does not include xxxxxx. Exception remains. | 05/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834966 | xxxxxx | 33417863 | xxxxxx | 05/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file: HOA will not answer questions off Questionnaire. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-06): Client elects to waive with verified compensation factors. Per the client, the file includes the Questionnaire with 90 out of 93 questions completed, providing sufficient detail for review. The few unanswered items relate to reserves, HOA meeting minutes, and property inspection. That said, overall comfort is derived from the presence of the HOA budget and an Appraisal indicating the property is xxxxxx. The subject is a xxxxxx |  |  | 05/06/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836771 | xxxxxx | 33422696 | xxxxxx | 05/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The RCE in file reflects replacement cost of $264,000. Loan amount is xxxxxx. Dwelling coverage is $200,000. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-16): Client elects to waive with verified compensation factors. The updated HOI provided post-close confirms replacement coverage<br>Reviewer Comment (2025-06-12): The updated HOI with increased coverage is dated post-close and not acceptable. |  |  | 06/16/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836907 | xxxxxx | 33428098 | xxxxxx | 05/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-05-15): FTP provided | 05/15/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836907 | xxxxxx | 33435357 | xxxxxx | 05/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Items 3, 4, 5 & 6 reflect delinquent taxes and all delinquent taxes were not paid through closing. Taxes paid were xxxxxx, however the tax cert and title also reflect xxxxxx and xxxxxx also due for xxxxxx. Further, the title reflects a mortgage lien not paid through closing which the tile states will need satisfactory proof of paid in full. |  | Reviewer Comment (2025-05-15): Clear FTP provided<br>Reviewer Comment (2025-05-14): Received final SS and tax cert reflecting all taxes paid. Still pending receipt of mortgage lien not paid through closing which title states will need satisfactory proof of paid. | 05/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 830542 | xxxxxx | 33428107 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent. xxxxxx. |  | Reviewer Comment (2025-05-15): Received Fraud and OFAC searches run on settlement agent. xxxxxx. Exception cleared. | 05/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 830542 | xxxxxx | 33435468 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The Final Closing Statement in file is not signed or stamped certified. |  | Reviewer Comment (2025-05-14): Final stamped SS provided | 05/14/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 836587 | xxxxxx | 33435579 | xxxxxx | 05/13/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Final Settlement Statement does not reflect escrows. The borrower does not meet the minimum FICO nor reserves for a waiver. |  | Reviewer Comment (2025-06-06): Corrected closing statement provided reflecting escrows<br>Reviewer Comment (2025-06-03): Cleared in error: An updated final SS was provided, however the signature page from the incorrect settlement statement was attached to the corrected settlement statement which is not acceptable (see dates at bottom). Provide the final stamped settlement statement which reflects the loan was escrowed. | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 822518 | xxxxxx | 33444346 | xxxxxx | 05/14/2025 | 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. | 2023 signed and dated business returns were not provided. There was an IRS extension policy provided regarding returns extended for disaster impacted areas. |  | Reviewer Comment (2025-05-23): Loan is Non-QM. | 05/23/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33444347 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxxxx/Schedule K-1 less than 25 Percent) | 2024 K-1's were not provided. There was an IRS extension policy provided regarding returns extended for disaster impacted areas. |  | Reviewer Comment (2025-05-23): Tax extension for 2023 was in the file, and taxes for 2024 were not due until xxxxxx due to disaster relief. This is acceptable per guidelines, as signed P&Ls for the missing years were provided. | 05/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33444348 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxxxx/Schedule K-1 less than 25 Percent) | 2024 K-1 was not provided. There was an IRS extension policy provided regarding returns extended for disaster impacted areas. |  | Reviewer Comment (2025-05-23): Tax extension for 2023 was in the file, and taxes for 2024 were not due until xxxxxx due to disaster relief. This is acceptable per guidelines, as signed P&Ls for the missing years were provided. | 05/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33444349 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (xxxxxx/S-Corp) | 2023 signed and dated business returns were not provided. There was an IRS extension policy provided regarding returns extended for disaster impacted areas. |  | Reviewer Comment (2025-05-23): Tax extension for 2023 was in the file, and taxes for 2024 were not due until xxxxxx due to disaster relief. This is acceptable per guidelines, as signed P&Ls for the missing years were provided. | 05/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33444350 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | 2023 signed and dated personal returns were not provided. There was an IRS extension policy provided regarding returns extended for disaster impacted areas. |  | Reviewer Comment (2025-05-23): Tax extension for 2023 was in the file, and taxes for 2024 were not due until xxxxxx due to disaster relief. This is acceptable per guidelines, as signed P&Ls for the missing years were provided. | 05/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33444352 | xxxxxx | 05/14/2025 | 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 xxxxxx 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 xxxxxx) |  |  | Reviewer Comment (2025-06-09): xxxxxx received disclosure summary suffice. | 06/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33444552 | xxxxxx | 05/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower recently completed a Cash-out refinance on the subject property in March, 2025 which is within 6 months prior to the current loan closing and makes the loan ineligible. Investor exception provided in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-13): Client elects to waive with verified compensation factors |  |  | 05/13/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33447215 | xxxxxx | 05/14/2025 | 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 $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | Second Appraisal Fee was not shown on the initial LE but was shown as $600.00 on the final CD. No valid COC or cure was provided. |  | Reviewer Comment (2025-07-10): xxxxxx received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-07-03): xxxxxx received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. Missing Copy of Refund Check, proof of mailing to cure.<br>Reviewer Comment (2025-06-18): xxxxxx received Changed Circumstance dated xxxxxx , but we require information on why the second appraisal was required. A valid Changed Circumstance with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-09): xxxxxx received Changed Circumstance dated xxxxxx , but it 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 second appraisal fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 07/10/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | 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 | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33448168 | xxxxxx | 05/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The business tax returns are not signed and dated by the borrower for 2022 and business transcripts were not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-23): The client elects to waive. |  |  | 05/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33448695 | xxxxxx | 05/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Schedule C: Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-23): The client elects to waive. |  |  | 05/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | 33449140 | xxxxxx | 05/14/2025 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | Provide the leasehold agreement and evidence of ground rents. Ground rents to be added to DTI. |  | Reviewer Comment (2025-05-21): Per client email, they are accepting the leasehold agreement as-is with the UW comments verifying $0 obligation in ground rent.<br>Reviewer Comment (2025-05-19): Leasehold agreement was provided but it does not specify what the ground rents are. Documentation to this effect to be provided. | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836976 | xxxxxx | 33430163 | xxxxxx | 05/14/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-05-20): Received Final Title Policy. Exception cleared. | 05/20/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836976 | xxxxxx | 33430164 | xxxxxx | 05/14/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-20): Received Final Title. Exception cleared. | 05/20/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836976 | xxxxxx | 33430217 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud report not provided for either borrower. Must contain all participants. |  | Reviewer Comment (2025-05-22): Received OFAC search for seller xxxxxx. Exception cleared.<br>Reviewer Comment (2025-05-21): Received full fraud report. Fraud and OFAC search not run on seller, xxxxxx. Exception remains. | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836976 | xxxxxx | 33431777 | xxxxxx | 05/14/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxxxx Fair Plan Policy is missing ISAOA |  | Reviewer Comment (2025-05-21): Updated HOI provided | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836976 | xxxxxx | 33441256 | xxxxxx | 05/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: City does not match the Note. |  | Reviewer Comment (2025-05-21): FTP provided | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836976 | xxxxxx | 33441278 | xxxxxx | 05/14/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: AVM / Valuation Report date: xxxxxx | AVM: City does not match the Note. |  | Reviewer Comment (2025-05-21): New AVM provided with updated address. | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836976 | xxxxxx | 33441280 | xxxxxx | 05/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx Fair Plan policy: City does not match the Note. |  | Reviewer Comment (2025-05-21): Updated HOI provided | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837152 | xxxxxx | 33447913 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS for the Borrowing Entity missing from xxxxxx, which is where the entity was formed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-29): The guidelines require a COGS for the state in which the entity was formed. Investor can elect to waive with verified compensation factors. |  |  | 06/02/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837152 | xxxxxx | 33447915 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Beneficial Ownership Cert must be fully executed. |  | Reviewer Comment (2025-06-18): Beneficial owner document provided<br>Reviewer Comment (2025-05-19): The guidelines under LLC just state Beneficial Ownership Cert must be fully executed. It does not state it is only required on non-single member Entity loans. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837772 | xxxxxx | 33442585 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-05-20): Received Certificate of Good Standing. Exception cleared. | 05/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837772 | xxxxxx | 33442587 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on signor for Property Seller, xxxxxx. |  | Reviewer Comment (2025-05-20): Received updated fraud report. Fraud and OFAC search on seller. Exception cleared. | 05/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837772 | xxxxxx | 33453319 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The OA requires a Unanimous Consent to bind the company. The other owner is the managing member vs. our Guarantor. |  | Reviewer Comment (2025-07-02): Received Corporate Resolution. Exception cleared.<br>Reviewer Comment (2025-06-16): Investor to advise if they are accepting the document. The Seller copied the LOE onto a document and titled it Corporate Resolution. The Unanimous Consent has specific verbiage that is not provided. Assigned to investor.<br>Reviewer Comment (2025-05-30): The UC contains specific verbiage there for an LOE signed by the non-borrower and borrower is not acceptable. This was also discussed with the investor who is also not accepting the LOE. | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837772 | xxxxxx | 33453326 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The PPP addendum to the Note does not reflect the borrowing entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-14): Client elects to waive |  |  | 05/14/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837637 | xxxxxx | 33453403 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The PPP addendum to the Note does not reflect the Trust. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors |  |  | 05/14/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837637 | xxxxxx | 33453466 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final CD reflects a disbursement date prior to the loan closing. If disbursement date is incorrect, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-05-19): Final stamped SS provided | 05/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837621 | xxxxxx | 33444029 | xxxxxx | 05/16/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Note reflects unit xxxxxx vs Appraisal and CU reflects unit xxxxxx |  | Reviewer Comment (2025-06-05): Updated appraisal and CU provided | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837034 | xxxxxx | 33444058 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-05-22): Received Business Purpose Certificate. Exception cleared. | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837034 | xxxxxx | 33444060 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  |  |  | Reviewer Comment (2025-06-18): Tracking reflects out for delivery<br>Reviewer Comment (2025-06-17): Received LOE to borrower, LOI and mailing label. Tracking reflects label created. Must reflect at minimum in transit.<br>Reviewer Comment (2025-06-17): Received corrected and executed DOT adding in rider and executed rider. Pending receipt of LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837034 | xxxxxx | 33446932 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx; Seller, xxxxxx. |  | Reviewer Comment (2025-05-22): Received Watch List. Fraud and OFAC search run on the seller and settlement agent. Exception cleared. | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837034 | xxxxxx | 33447013 | xxxxxx | 05/16/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-05-22): Clearance report provided | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837034 | xxxxxx | 33453607 | xxxxxx | 05/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | EAD card expires within 6 months. If the EAD will expire within six (6) months of loan application, it is acceptable to obtain a letter from the employer documenting the borrower's continued employment and continued EAD renewal. The employer on the loan application must be the same as on the unexpired EAD. The EAD documentation is acceptable for up to 540 days if an automatic extension has been granted. |  | Reviewer Comment (2025-06-10): xxxxxx provided reflecting extended through xxxxxx for C08.<br>Reviewer Comment (2025-05-22): Received document from xxxxxx. Provide For I-797C, Notice of Action to verify that borrower had applied for extension. Exception remains. | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 833941 | xxxxxx | 33450474 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $247,750.52 is over disclosed by $219.95 compared to the calculated Amount Financed of $247,530.57 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Amount Financed shown as $247,750.52 and calculated amount financed is $247,530.57. Variance of $219.95. |  | Reviewer Comment (2025-06-18): xxxxxx received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Reviewer Comment (2025-05-30): xxxxxx received Corrected CD, LOE to borrower, copy of cure refund of $219.95 and proof of mailing. However, the cure refund check utilized $25 to cure the Appraisal Fee tolerance violation also. As the appraisal fee is not a finance charge, that cure must be separate from the finance charge violation restitution and cure refund is short $25. Additionally, missing proof of reopening rescission to all consumers on this material disclosure violation of a rescindable transaction. Provide copy of cure refund for shortage of $25, proof of mailing and proof of reopening rescission to all consumers on the transaction. |  | 06/18/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33450475 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $424,649.01 is under disclosed by $219.95 compared to the calculated Finance Charge of $424,868.96 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge shown as $424,649.01 and calculated finance charge is $424,868.96. Variance of -$219.95. |  | Reviewer Comment (2025-06-18): xxxxxx received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Reviewer Comment (2025-05-30): xxxxxx received Corrected CD, LOE to borrower, copy of cure refund of $219.95 and proof of mailing. However, the cure refund check utilized $25 to cure the Appraisal Fee tolerance violation also. As the appraisal fee is not a finance charge, that cure must be separate from the finance charge violation restitution and cure refund is short $25. Additionally, missing proof of reopening rescission to all consumers on this material disclosure violation of a rescindable transaction. Provide copy of cure refund for shortage of $25, proof of mailing and proof of reopening rescission to all consumers on the transaction. |  | 06/18/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33450476 | xxxxxx | 05/16/2025 | 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 $575.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Insufficient cure was provided to the borrower. |  | Reviewer Comment (2025-05-30): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-21): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was increased and what market conditions affected appraisal fee to increase. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 05/30/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33450477 | xxxxxx | 05/16/2025 | 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 $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient cure was provided to the borrower |  | Reviewer Comment (2025-05-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33450478 | xxxxxx | 05/16/2025 | 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 Credit Report Fee. Fee Amount of $157.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $157.00 exceeds tolerance of $59.00. Insufficient cure was provided to the borrower. |  | Reviewer Comment (2025-05-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 05/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33451052 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-28): Received updated Fraud report. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33455375 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert: Refinance only is not checked. |  | Reviewer Comment (2025-05-21): Received updated Occupancy Certificate. Exception cleared. | 05/21/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33455409 | xxxxxx | 05/16/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-05-26): Updated HOI provided | 05/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833941 | xxxxxx | 33685376 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. |  | Reviewer Comment (2025-07-02): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-07-01): Received docusign. Re-queue condition on xxxxxx as the rescission period will have expired then.<br>Reviewer Comment (2025-06-30): Received new signed RTC forms (which evidences delivery) and LOE to borrower. RTC forms are e-signed. Provide the docusign for both individuals. Also, until rescission period ends at midnight on xxxxxx condition cannot be cured until then. |  | 07/02/2025 |  | 2 B | B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | 33452820 | xxxxxx | 05/19/2025 | 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 is not in lender's name |  | Reviewer Comment (2025-05-16): Client elects to waive Loan is HPML Compliant |  |  | 05/16/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | 33452821 | xxxxxx | 05/19/2025 | 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 (2025-05-16): Client elects to waive |  |  | 05/16/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | 33452825 | xxxxxx | 05/19/2025 | 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 $8,400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points increases from $0.00 on the initial Loan Estimate to $8,400.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-06-10): xxxxxx received a valid COC. | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | 33452885 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-19): Received GSA. Exception cleared.<br>Reviewer Comment (2025-06-16): Received OFAC search, please provide SAM.Gov for settlement agent. Exception remains.<br>Reviewer Comment (2025-05-29): Received updated Fraud Report. However Fraud and OFAC search run on the settlement agent reflects possible match found. Provide document to verify that the match found is not for our settlement agent. Exception remains. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | 33472922 | xxxxxx | 05/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 2.5, xxxxxx CU score 4.5. Due to discrepancy, a secondary valuation is required per guidelines. |  | Reviewer Comment (2025-07-24): Field review received with appraisal supported value of xxxxxx<br>Reviewer Comment (2025-07-08): The same ARR was provided that was previously provided. Please review comments from xxxxxx: The CDA provided reflects high risk and additional review required, however is 10% below appraised value. Another ARR does not take the place of a CDA as it is the same product. The ARR reflects same value as appraisal. Investor to advise if they are accepting CDA since within 10%. Assigned to investor.<br>Reviewer Comment (2025-06-13): The CDA provided reflects high risk and additional review required, however is 10% below appraised value. Another ARR does not take the place of a CDA as it is the same product. The ARR reflects same value as appraisal. Investor to advise if they are accepting CDA since within 10%. Assigned to investor. | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | 33472998 | xxxxxx | 05/19/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | The business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Bank statement from 24 or more months prior to note date reflecting activity, or<br> o Other reasonable evidence of business activity.<br> Operating Agreement was only provided, however is not acceptable per the above and is not a third party document. |  | Reviewer Comment (2025-05-29): Received Bank statement from 24 months prior to note date reflecting activity. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | 33473010 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per the credit report, mortgage loan was modified. Provide the modification documents. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-25): Client elect to waive with verified compensation factors |  |  | 07/25/2025 | 2 C B | C B | C | B D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835252 | xxxxxx | 33453267 | xxxxxx | 05/19/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-21): Received Final Title Policy. Exception cleared. | 05/21/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 835252 | xxxxxx | 33453268 | xxxxxx | 05/19/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-05-21): Received Final Title Policy. Exception cleared. | 05/21/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 835252 | xxxxxx | 33453571 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-22): Received Approval. Exception cleared. | 05/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 836418 | xxxxxx | 33456178 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | OA requires the unanimous consent. |  | Reviewer Comment (2025-06-04): Borrowing cert provided | 06/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836418 | xxxxxx | 33456180 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $2,056.03 does not match Calculated P&I of $2,271.64 | The Note reflects an I/O payment, however the Note does not reflect any I/O terms nor was an I/O addendum provided. |  | Reviewer Comment (2025-06-10): LOE and mailing label provided. Tracking reflects in transit.<br>Reviewer Comment (2025-06-06): Received corrected and executed Note. Pending receipt of LOE to borrower and evidence of delivery to borrower. | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 835243 | xxxxxx | 33456602 | xxxxxx | 05/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. Funds limited to the borrower's ownership %. (Note: LLC is also listed as currently vested on title). |  | Reviewer Comment (2025-06-14): Removed account #xxxxxx and added account xxxxxx. Evidence in file borrowers are 100% owners of business<br>Reviewer Comment (2025-06-05): Per the OA, the business is owned by another LLC xxxxxx and that LLC is owned by a Trust possibly (xxxxxx UTD dated xxxxxx). Provide the OA for xxxxxx and the Trust Agreement for xxxxxx dated xxxxxx).<br>Reviewer Comment (2025-05-29): Received Articles of Organization and Business Entity Listing however the ownership % is missing. Provide of ownership % in xxxxxx. Funds limited to the borrower's ownership %. Exception remains. | 06/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C |  | N/A | No | Property Focused |
| xxxxxx | 835243 | xxxxxx | 33456604 | xxxxxx | 05/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for the subject property does not report on credit with xxxxxx. Provide an additional 4 months of borrower's payment for 6 months total via bank statements/cancelled checks per guidelines. VOM, Mortgage Statement, Payoff, and Jan 2025 and Feb 2025 payments provided. |  | Reviewer Comment (2025-06-12): Received borrower's payment for 6 months total via bank statements. Exception cleared. | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C |  | N/A | No | Property Focused |
| xxxxxx | 835243 | xxxxxx | 33456614 | xxxxxx | 05/16/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-05): FTP provided | 06/05/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C |  | N/A | No | Property Focused |
| xxxxxx | 835243 | xxxxxx | 33456618 | xxxxxx | 05/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-29): Received Secondary valuation. Exception cleared. | 05/29/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C |  | N/A | No | Property Focused |
| xxxxxx | 835243 | xxxxxx | 33458764 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Municipal lien on title does not reflect paid on the HUD. |  | Reviewer Comment (2025-06-05): Clear FTP provided<br>Reviewer Comment (2025-05-29): The LOE provided only states we will release the recordings per your instructions. It does not state the municipal lien on title is paid in full and will not appear on the title report. | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C |  | N/A | No | Property Focused |
| xxxxxx | 835243 | xxxxxx | 33474054 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the approval, loan was reviewed to FN guidelines, however borrower has SSN numbers, xxxxxx credit and resides in the xxxxxx per the 1003. The guidelines do not have a program from Foreign Nationals living in the xxxxxx. |  | Reviewer Comment (2025-06-05): Updated 1003 with correct overseas primary, CPA letter with supporting evidence of ownership in overseas address, updated fraud report provided with overseas address and a look up of xxxxxx visa's which the borrower's hold are for visitors.<br>Reviewer Comment (2025-05-28): The updated 1003 does not clear this condition. Fraud report and credit were also run on xxxxxx address as primary as well as fraud report reflects that primary is owned free and clear. | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C |  | N/A | No | Property Focused |
| xxxxxx | 834336 | xxxxxx | 33456639 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Business License for xxxxxx shows license expired on xxxxxx |  | Reviewer Comment (2025-05-27): Received Certificate of Good Standing, that reflects business is Active. Exception cleared. | 05/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 834336 | xxxxxx | 33456641 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-05-28): Final CD provided<br>Reviewer Comment (2025-05-26): The LOE does not clear this condition. There isn't a final CD, HUD or settlement statement in file. | 05/28/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 834336 | xxxxxx | 33456643 | xxxxxx | 05/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage account not reporting on the credit report for subject xxxxxx. Provide proof of borrower's payment for the most recent 6-months via bank statements/cancelled checks. VOM, Mortgage Statement and Payoff provided. |  | Reviewer Comment (2025-06-03): Received borrower's payment for the most recent 6-months. Exception cleared.<br>Reviewer Comment (2025-05-28): As previously stated, the LOE does not clear this condition. The investor had this loan reviewed to their guidelines, therefore all investor guideline requirements must be met.<br>Reviewer Comment (2025-05-26): The LOE does not clear this condition. Loan was reviewed to investor guidelines which requires this documentation. | 06/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 834336 | xxxxxx | 33458950 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-28): Received updated Fraud Report. Fraud and OFAC search run on the Settlement agent xxxxxx. Exception cleared.<br>Reviewer Comment (2025-05-27): Received Email to verify the settlement agent name. However the file is missing Fraud report and OFAC search for settlement agent, xxxxxx along with Final HUD-1 to verify the person who has signed the HUD-1. Exception remains. | 05/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 834336 | xxxxxx | 33474115 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Occupancy Cert does not have Refinance Only checked. |  | Reviewer Comment (2025-05-26): Updated NOO provided | 05/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 834336 | xxxxxx | 33474127 | xxxxxx | 05/20/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects a different lender. |  | Reviewer Comment (2025-05-28): NMLS provided reflecting mortgagee on HOI and Note are one in the same.<br>Reviewer Comment (2025-05-26): The LOE is not acceptable. The lender on the note does not match the HOI mortgagee + ISAOA. HOI reflects xxxxxx ISAOA. Note reflects Lending Now. | 05/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 837240 | xxxxxx | 33469966 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-05-22): Received Senior Lien note. Exception cleared. | 05/22/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837240 | xxxxxx | 33473000 | xxxxxx | 05/20/2025 | 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 $5,935.18 exceeds tolerance of $4,975.00. Insufficient or no cure was provided to the borrower. (7200) | Discount Points were last disclosed as $4,975.00 on the Loan Estimate, but was disclosed as $5,935.18 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $960.18, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-06-11): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-29): xxxxxx Received COC dated xxxxxx does states pricing change; however, COC does not specify the factors for pricing change. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase 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>Reviewer Comment (2025-05-28): xxxxxx received COC dated xxxxxx however the fee increased on CD dated xxxxxx for $6840.63. Kindly provide a valid COC for the fee increased on CD dated xxxxxx or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-05-22): xxxxxx received COC dated xxxxxx however the fee increased on CD dated xxxxxx for $6840.63. Kindly provide a valid COC for the fee increased on CD dated xxxxxx or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  | 06/11/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837240 | xxxxxx | 33473065 | xxxxxx | 05/20/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City name (xxxxxx) does not match on HOI policy as per the Note document (xxxxxx). Please provide corrected HOI document. |  | Reviewer Comment (2025-05-22): Received updated HOI policy. Exception cleared. | 05/22/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837240 | xxxxxx | 33473110 | xxxxxx | 05/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Please provide supporting document to verify P&I for the xxxxxx reflecting on the final 1003 with a monthly pmt of $2,607.09, bal of $276,500.00. |  | Reviewer Comment (2025-05-22): Received Final Closing Disclosure for property located at xxxxxx to verify P&I. Exception cleared. | 05/22/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837240 | xxxxxx | 33480333 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33469519 | xxxxxx | 05/20/2025 | 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 xxxxxx 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 xxxxxx) |  |  | Reviewer Comment (2025-06-10): xxxxxx recieved valid rebuttal comment and eSign console document that initial disclosures sent within that 3 days' timeline.<br>Reviewer Comment (2025-06-05): xxxxxx received rebuttal comment and Esign process summary. But we also required proof that initial LE dated xxxxxx was provided to borrower by another method (such as xxxxxx Mail) within 3 days of application date of xxxxxx for testing. | 06/10/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33469539 | xxxxxx | 05/20/2025 | 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 $8,210.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee was not disclosed on Initial LE and was later disclosed as $3,815.00 on LE dated xxxxxx and the Loan Point Fee was again increased to $8,210.00 on LE dated xxxxxx . No COC is provided in the file. |  | Reviewer Comment (2025-05-23): xxxxxx received COC xxxxxx dated for change in pricing. | 05/23/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33469540 | xxxxxx | 05/20/2025 | 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 $585.00 exceeds tolerance of $560.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $560.00 on the initial Loan Estimate to $585.00 on the LE dated xxxxxx . No COC is provided in the file. |  | Reviewer Comment (2025-05-30): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-23): xxxxxx received COC dated xxxxxx for increase in appraisal fee due to market conditions and new property information received but the provided reason is not sufficient. Please provide more information on new property information received and what market conditions observed that resulted in increase in closing cost to borrower. |  | 05/30/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33469541 | xxxxxx | 05/20/2025 | 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 Credit Report Fee. Fee Amount of $108.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Cure for $49 on Final CD, however due to multiple tolerance violations, this will be addressed once all other violations have been addressed. |  | Reviewer Comment (2025-05-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 05/23/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33469545 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33469570 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-07-16): Senior lien Note provided<br>Reviewer Comment (2025-07-16): . | 07/16/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33469573 | xxxxxx | 05/20/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  | Reviewer Comment (2025-05-30): Received HOI policy prior to note Date. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33472103 | xxxxxx | 05/20/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Page 1 of the Final 1003 does not reflect owned. Transaction is a refinance of an owner occupied property. |  | Reviewer Comment (2025-05-22): Updated 1003 provided | 05/22/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | 33480082 | xxxxxx | 05/20/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | There was a 2023 K-1 for the business provided which does not support the bank statement income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-06-03): Client elects to waive with verified compensation factors. Per the client, business returns were not provided to determine allowable add-backs to the borrower. The 2023 K1 reported $30k+ ordinary xxxxxx income to Bwr. Bwr has 33.40%. ownership. 12mos xxxxxx bank covering the more recent period 3/2024-2/2025 to document income used to qualify. |  |  | 06/03/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836337 | xxxxxx | 33469728 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $366,752.21 is over disclosed by $278.95 compared to the calculated Amount Financed of $366,473.26 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The Amount Financed is over disclosed by $278.95 due to Appraisal Service Management Fee in the amount of $254.00. |  | Reviewer Comment (2025-06-27): xxxxxx received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Reviewer Comment (2025-06-19): xxxxxx received PCCD, LOE, copy of check $254 and proof of mailing. However, the finance charge total underdisclosure was $278.95 which must be cured in for total underdisclosure amount. Cure refund shortage is 24.95. Additionally, did not receive proof of reopening of rescission to all consumers. Please provide additional cure refund to borrower of $24.95, proof of mailing and proof of reopening rescission to all consumers. |  | 06/27/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | 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 | Mortgagor Focused |
| xxxxxx | 836337 | xxxxxx | 33469729 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $617,313.77 is under disclosed by $278.95 compared to the calculated Finance Charge of $617,592.72 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The threshold of $35.00 is exceeded due to Appraisal Service Management Fee in the amount of $254.00. |  | Reviewer Comment (2025-06-27): xxxxxx received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Reviewer Comment (2025-06-19): xxxxxx received PCCD, LOE, copy of check $254 and proof of mailing. However, the finance charge total underdisclosure was $278.95 which must be cured in for total underdisclosure amount. Cure refund shortage is 24.95. Additionally, did not receive proof of reopening of rescission to all consumers. Please provide additional cure refund to borrower of $24.95, proof of mailing and proof of reopening rescission to all consumers.<br>Reviewer Comment (2025-06-13): Finance charge remains under disclosed in the amount of $278.95. |  | 06/27/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836337 | xxxxxx | 33469730 | xxxxxx | 05/20/2025 | 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 $620.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $600.00 on the initial Loan Estimate to $620.00 on the initial Closing Disclosure. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-06-13): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 06/13/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836337 | xxxxxx | 33469744 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-05-27): Received updated Fraud Report. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836337 | xxxxxx | 33795750 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  |  |  | Reviewer Comment (2025-07-08): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-07-03): Received docusign for both RTC's. Please re-queue condition on 7/8 which is after xxxxxx rescission ends for cure.<br>Reviewer Comment (2025-07-02): Received executed RTC for xxxxxx (which evidences delivery). Still pending receipt of docusign for xxxxxx and now docusign for xxxxxx as well. Further, condition cannot be cured until after midnight 7/7 which is when xxxxxx rescission expires.<br>Reviewer Comment (2025-06-27): Received LOE to borrower and signed RTC for xxxxxx which also evidences delivery. Pending receipt of RTC for xxxxxx and also docusign for e-signed disclosures. In addition, condition cannot be cured until after rescission expiration at midnight on xxxxxx  |  | 07/08/2025 |  | 2 B | B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836440 | xxxxxx | 33458472 | xxxxxx | 05/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per investor overlays, follow investor guidelines for mortgages not on credit. Housing history for primary residence on xxxxxx not provided. Provide proof of the 12 month housing history with 6 month borrower pay history and a copy of the Note or Mortgage statement. Or provide evidence free and clear. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>9.69 months of reserves when 6 is required. | Reviewer Comment (2025-06-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): This is not for the subject property but the primary residence. The comments made are for the subject property. Provide the history for the primary residence or evidence free and clear. |  |  | 06/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 836440 | xxxxxx | 33458478 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Ticket to the Settlement Agent not provided. |  | Reviewer Comment (2025-05-27): Wire ticket provided<br>Reviewer Comment (2025-05-22): Document uploaded was an unsigned HUD. Condition is requesting wire ticket to settlement agent. | 05/27/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 836440 | xxxxxx | 33474518 | xxxxxx | 05/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per investor overlays, follow investor guidelines for mortgages not on credit. Housing history for subject property not provided. Payoff provided. Provide 12 month housing history along with evidence of borrower's 6 month borrower pay history and a copy of the Note or Mortgage statement. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>9.69 months of reserves when 6 is required. | Reviewer Comment (2025-06-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): Assigned to investor. Lender would like to waive. Comments from Seller: Prior loan was a light rehab/bridge-only RTL project that probably didn't draw. There is no payment history for the mere three (3) or four (4) months the loan was active. Nothing to provide beside lack of late fees on payoff statement. Pass to investor for further consideration. |  |  | 06/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 836981 | xxxxxx | 33467824 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx. |  | Reviewer Comment (2025-06-05): Received Fraud report and OFAC run on seller, xxxxxx. Exception Cleared.<br>Reviewer Comment (2025-05-29): Received updated fraud report. However, Fraud and OFAC not run on seller, xxxxxx. Ward. Exception remains. | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836981 | xxxxxx | 33473418 | xxxxxx | 05/20/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | STR is allowed to be reported on 1007 as long as it contains certain information. Provide the source of the data used to complete the STR analysis; Factor seasonality. The 1007 nor STR addendum reflect these two items. |  | Reviewer Comment (2025-05-29): Updated 1007 provided | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836086 | xxxxxx | 33472565 | xxxxxx | 05/21/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-06-06): LOE from title provided<br>Reviewer Comment (2025-06-03): The correct and incorrect title policy are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updated amount).<br>Reviewer Comment (2025-06-02): The FTP was provided, however reflects the amount of insurance is xxxxxx which does not cover the loan amount of xxxxxx. | 06/06/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No | Property Focused |
| xxxxxx | 836086 | xxxxxx | 33472566 | xxxxxx | 05/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-02): FTP provided | 06/02/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No | Property Focused |
| xxxxxx | 836086 | xxxxxx | 33636497 | xxxxxx | 06/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor utilizing 1 month rent and security deposit to utilized up to 120% for DSCR qualification of higher lease amount vs. the required 2 months rent receipt. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors |  |  | 06/12/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No | Property Focused |
| xxxxxx | 833569 | xxxxxx | 33474206 | xxxxxx | 05/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-06): Received Title Final. Exception cleared. | 06/06/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33474217 | xxxxxx | 05/21/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least xxxxxx.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-30): Please review comments from xxxxxx The effective date of endorsement is xxxxxx which is post close and not acceptable. So the HOI updated the mortgagee but made it effective as of xxxxxx Displaying the policy period has no bearing on this if the endorsement specifically states it became effective on xxxxxx <br>Reviewer Comment (2025-05-29): Updated HOI received, however reflects effective date of endorsement is xxxxxx which is post close and not acceptable. |  |  | 06/11/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33474218 | xxxxxx | 05/21/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-06): Received Title Final. Exception cleared.<br>Reviewer Comment (2025-05-30): Received Closing Protection Letter. However the document requested is for Title Supplemental Report reflecting the Title policy amount. Exception remains. | 06/06/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33474274 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Business Purpose Certificate.(Note: This is not the occupancy cert). |  | Reviewer Comment (2025-06-11): BP cert provided | 06/11/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483578 | xxxxxx | 05/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the final stamped closing statement for the property "xxxxxx" to verifying the debts paid prior to closing. Estimate only in file. |  | Reviewer Comment (2025-06-04): Final stamped settlement statement provided reflecting debts paid. | 06/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483727 | xxxxxx | 05/21/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.36315% exceeds Guideline total debt ratio of 50.00000%. | Per Final 1003, loan was approved with primary housing expenses of $4,497.00, however, taxes and insurance are not included in the mortgage payment. Review found primary housing expenses of $5,346.10 for P&I and Taxes. Insurance documentation is still pending. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-10): The HOI for xxxxxx was already in file and reviewed. It was included in the DTI. The current DTI is reflective of the HOI premium for this REO in the DTI.<br>Reviewer Comment (2025-06-06): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 53.30072% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2025-06-04): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 52.29803% exceeds Guideline total debt ratio of 50.00000%. |  |  | 06/11/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483736 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Personal debt being paid through closing totaling $97,001.00. Consumer purpose investment. |  | Reviewer Comment (2025-06-27): Client elects to waive<br>Reviewer Comment (2025-06-27): Regraded to xxxxxx based on lender's removal of prepay.<br>Reviewer Comment (2025-06-24): Received corrected and executed DOT + Note, LOE to borrower, LOI, and cancelled rider and addendum. Pending receipt of evidence of delivery to the borrower prior to escalation for downgrade. |  |  | 06/27/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483737 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.36315% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per Final 1003, loan was approved with primary housing expenses of $4,497.00, however, taxes and insurance are not included in the mortgage payment. Review found primary housing expenses of $5,346.10 for P&I and Taxes. Insurance documentation is still pending. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-10): The HOI for xxxxxx was already in file and reviewed. It was included in the DTI. The current DTI is reflective of the HOI premium for this REO in the DTI.<br>Reviewer Comment (2025-06-06): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.30072% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2025-06-04): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.29803% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  | 06/11/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483738 | xxxxxx | 05/21/2025 | 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 $18,291.00 exceeds tolerance of $11,729.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-05-30): xxxxxx Received Valid COC dated xxxxxx showing lock extended. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | 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 | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483742 | xxxxxx | 05/21/2025 | 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. | Per Final 1003, loan was approved with primary housing expenses of $4,497.00, however, taxes and insurance are not included in the mortgage payment. Review found primary housing expenses of $5,346.10 for P&I and Taxes. Insurance documentation is still pending. |  | Reviewer Comment (2025-06-11): Client designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-06-10): The HOI for xxxxxx was already in file and reviewed. It was included in the DTI. The current DTI is reflective of the HOI premium for this REO in the DTI. | 06/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483782 | xxxxxx | 05/21/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification |  |  | Reviewer Comment (2025-06-04): T&I provided | 06/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33483783 | xxxxxx | 05/21/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE is dated > 10 days prior to the Note date. VVOE needs to be dated within 10 days prior to Note date or paystub dated within 30 days prior to Note date. |  | Reviewer Comment (2025-05-30): Received VVOE - Employment Only dated 10 days prior to Note date. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833569 | xxxxxx | 33795562 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains a Prepayment Penalty. (Final xxxxxx) | PPP removed post close |  | Reviewer Comment (2025-06-27): Client elects to waive |  |  | 06/27/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834395 | xxxxxx | 33470366 | xxxxxx | 05/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided |  | Currency Convertor required from XE.com or from wall street journal for xxxxxx Dollars $318,350.38 (account xxxxxx with xxxxxx). |  | Reviewer Comment (2025-06-05): Received Converter from XE.com for historical rates. Exception cleared.<br>Reviewer Comment (2025-05-30): Received currency converter dated xxxxxx .Provide the historical rates xxxxxx) currency converter for xxxxxx dollars(account xxxxxx with xxxxxx). Exception remains.<br>Reviewer Comment (2025-05-27): Received currency convertor is not from XE.com or from wall street journal. Provide Currency Convertor required from XE.com or from wall street journal for xxxxxx Dollars $318,350.38 (account xxxxxx with xxxxxx). Exception remains. | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834395 | xxxxxx | 33470400 | xxxxxx | 05/21/2025 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  |  |  | Reviewer Comment (2025-05-29): Received Land lease agreement and ground rent receipt. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834395 | xxxxxx | 33470422 | xxxxxx | 05/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-05-28): Received Final Title Policy. Exception cleared. | 05/28/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834395 | xxxxxx | 33470430 | xxxxxx | 05/21/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-28): Received Final Title Policy. Exception cleared. | 05/28/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834395 | xxxxxx | 33470439 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx , Borrower: xxxxxx |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): Loan was reviewed to 1.2025 Guidelines. Refer to section 2.3.2.2 which indicates: Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers. Funds must be<br> from a xxxxxx Bank. The executed (ACH) enrollment form must be included in the closed loan submission package.The (ACH) enrollment form must include the bank routing number, account number, and account type. Borrowers may select a date within the grace period stated on the Note. The guidelines do state form must contain the routing number and be from a xxxxxx bank.<br>Reviewer Comment (2025-06-06): The ACH form needs to be fully completed correctly as well as guidelines state the ACH must be from a xxxxxx bank.<br>Reviewer Comment (2025-05-28): The ACH Form provided does not have the complete 'Electronic ACH Routing Number', Its missing 1 digit as the provided Number is not getting captured in Clarity, Also the check box for automatic payment program is not checked and not from a xxxxxx bank account. Exception remains. |  |  | 06/10/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834395 | xxxxxx | 33473273 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx |  | Reviewer Comment (2025-05-27): Received Fraud report and OFAC run on seller, xxxxxx. Exception cleared. | 05/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834395 | xxxxxx | 33490057 | xxxxxx | 05/21/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Investor exception in file. Non-Warrantable condo with active litigation. 2 causes are disclosed in HOA docs. 1 is closed and 1 is open. Open suit is considered a nuisance lawsuit and has been handed to the Insurance Company. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-05-20): Client elects to waive with verified compensation factors. Per Client, the litigation does not apply to the borrower or the subject property. A letter in the file from the attorney states the insurance company is representing the HOA, and there is sufficient coverage, and it is not structural. |  |  | 05/20/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834292 | xxxxxx | 33475779 | xxxxxx | 05/21/2025 | 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 xxxxxx 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 xxxxxx) |  |  | Reviewer Comment (2025-06-04): xxxxxx received updated E-sign Consent agreement with eConsent accepted by borrower on xxxxxx .<br>Reviewer Comment (2025-05-29): The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. | 06/04/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834292 | xxxxxx | 33475790 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $317,818.58 is over disclosed by $325.00 compared to the calculated Amount Financed of $317,493.58 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $421,848.34; calculated amount financed is $422,173.34. Variance is -$325.00. |  | Reviewer Comment (2025-07-03): xxxxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-06-18): xxxxxx received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Reviewer Comment (2025-06-11): xxxxxx received Corrected CD. If lender is curing the underdisclosure, would need to provide LOE to borrower explaining violation & cure, copy of cure refund for $325, proof of mailing and proof of reopening of rescission to all consumers. |  | 07/03/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834292 | xxxxxx | 33475791 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $421,848.34 is under disclosed by $325.00 compared to the calculated Finance Charge of $422,173.34 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $421,848.34; calculated finance charge is $422,173.34. Variance is -$325.00 |  | Reviewer Comment (2025-07-03): xxxxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-06-18): xxxxxx received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Reviewer Comment (2025-06-11): xxxxxx received Corrected CD. If lender is curing the underdisclosure, would need to provide LOE to borrower explaining violation & cure, copy of cure refund for $325, proof of mailing and proof of reopening of rescission to all consumers. |  | 07/03/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 834292 | xxxxxx | 33475868 | xxxxxx | 05/21/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2025-06-04): Updated appraisal provided to as-is. To note, the xxxxxx appraisal did not mention any subject to requirements, only why the property is not a PUD. The appraiser's earlier dated appraisal was marked as-is. Appears subject to was marked in error on the xxxxxx appraisal.<br>Reviewer Comment (2025-05-29): Received same appraisal dt. xxxxxx which was already in file. However, requested document was not received provide the document which was requested as per original condition. Exception remains. | 06/04/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834292 | xxxxxx | 33476703 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in Fraud/OFAC search. The Settlement Agent name is missing. |  | Reviewer Comment (2025-06-04): Received Fraud and OFAC search run on settlement Agent. Exception cleared.<br>Reviewer Comment (2025-06-03): Received Fraud report however Fraud/OFAC search not run on settlement agent, xxxxxx. Exception remains. | 06/04/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837180 | xxxxxx | 33474322 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-18): Received Business Purpose Certificate. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837180 | xxxxxx | 33474323 | xxxxxx | 05/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  | Reviewer Comment (2025-06-18): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-05-27): The guidelines do require a business purpose cert which was not provided. Once that is provided, this condition will also be addressed. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837180 | xxxxxx | 33479530 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Rider not provided nor does DOT include rider. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-18): Received recorded reaffirmation, re-execution and re-acknowledgment disclosure signed by the borrower and notarized and executed assignments of leases and rents. Pending receipt of LOE to borrower and evidence of delivery to the borrower. Also, investor to advise if they are accepting reaffirmation vs. updated and re-recorded DOT. |  |  | 06/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33475792 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-05-29): Received Articles of Organization/Formation. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33475795 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-05-29): Received Certificate of Good Standing. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33475796 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Unanimous Consent required if borrower is not 100% owner of Borrowing Entity. |  | Reviewer Comment (2025-05-29): Received Operating Agreement & Cerificate Ledger in which it shows that borrower is the 100% owner of the Borrowing Entity. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33475798 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-05-29): Received Employer Identification Number (EIN) for borrowing entity. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33475799 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-05-29): Received Operating Agreement. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33480169 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx. |  | Reviewer Comment (2025-06-11): Received updated Fraud report. Exception cleared.<br>Reviewer Comment (2025-06-09): Receive GSA and OFAC which was already available in file. Provide updated fraud report or HUD/ LDP for xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-06): Received OFAC and GSA for xxxxxx. However condition is raised for updated fraud report or HUD/LDP for seller, xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-04): Received GSA. Provide updated Fraud Report or HUD//LDP search. Exception remains.<br>Reviewer Comment (2025-05-30): Received OFAC search for seller. Provide updated Fraud Report or HUD/GSA/LDP search. Exception remains. | 06/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33480614 | xxxxxx | 05/22/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $180,705.00 is less than Cash From Borrower $185,601.71. | Foreign accounts that do not have xxxxxx branches/xxxxxx insured can only be used for reserves. xxxxxx bank does not have xxxxxx branches and is not xxxxxx insured. |  | Reviewer Comment (2025-06-10): Additional wire provided for funds to close from borrowing LLC dated at closing.<br>Reviewer Comment (2025-05-29): The Wire for $170K was already included at time of review. The additional foreign funds remaining in the accounts cannot be used for closing as they were not transferred to a xxxxxx bank account nor do the institutions have xxxxxx Branches/xxxxxx insured. | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33492820 | xxxxxx | 05/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Purchases: If the subject property is currently tenant occupied, the 1007 or 1025 must reflect the current monthly rent. Appraisal reflects Tenant Occupied and 1007 reflects N/A for actual rents. |  | Reviewer Comment (2025-06-05): Updated appraisal provided reflecting vacant. Per seller comments, property seller uses as STR. 1007 based on long term rents.<br>Reviewer Comment (2025-06-02): The LOE does not clear this condition. A vacant or unleased property is allowed without LTV restriction, however the appraisal reflects tenant occupied. There is no evidence from the appraiser or property seller that there is no written lease on the property and the only a verbal. | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | 33492833 | xxxxxx | 05/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 3.1; xxxxxx CU 2.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-06-05): CDA provided | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837996 | xxxxxx | 33475547 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-02): BP cert provided<br>Reviewer Comment (2025-06-02): No new document was received. Provide the document as requested per original condition. Exception remains. | 06/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 837996 | xxxxxx | 33475548 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Rider not provided nor attached to the DOT. |  | Reviewer Comment (2025-05-29): LOE from lender provided. Verbiage is built into page 6 of the DOT. There isn't a separate rider. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 837996 | xxxxxx | 33475610 | xxxxxx | 05/22/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-29): Received CDA. Exception cleared. | 05/29/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 837996 | xxxxxx | 33493061 | xxxxxx | 05/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Per guidelines, STR can be utilized on form 1007 again, however must contain certain information. The 1007 does not include daily rental rate and occupancy percentage nor factor seasonality and vacancy into the analysis. |  | Reviewer Comment (2025-06-13): A different 1007 was provided with an xxxxxx attached. The xxxxxx is lower than the 1007 income. Utilized xxxxxx rents as per guidelines if multiple sources are provided for STR, the lowest is utilized. Further, the 1007 was not updated with any of the information required per the original condition. | 06/13/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 837996 | xxxxxx | 33532515 | xxxxxx | 05/29/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Received CDA reflects xxxxxx vs Note reflects xxxxxx. |  | Reviewer Comment (2025-06-02): Updated CDA provided | 06/02/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 835305 | xxxxxx | 33479684 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-10): Received OFAC/GSA/HUD/LDP search for settlement agent. Exception cleared.<br>Reviewer Comment (2025-06-09): No new documents received. Please try uploading again. Exception Remains.<br>Reviewer Comment (2025-05-30): No new document was received. Provide the document as requested on the comment dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-05-29): Received OFAC and GSA search for settlement agent, however provide HUD/LDP search for settlement agent. Exception remains.<br>Reviewer Comment (2025-05-27): Loan is approved with xxxxxx Guidelines wherein Individuals to be included in the OFAC search: borrowers/Guarantors, Property Sellers, Settlement Agents. Provide Fraud report and OFAC not run on settlement agent, xxxxxx. Exception remains. | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836753 | xxxxxx | 33478582 | xxxxxx | 05/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: xxxxxx does not match the Note. |  | Reviewer Comment (2025-06-02): Updated CDA provided | 06/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836753 | xxxxxx | 33493170 | xxxxxx | 05/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Borrower is a Perm Resident per the Perm Resident card in file. |  | Reviewer Comment (2025-06-05): Updated 1003 provided | 06/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836157 | xxxxxx | 33479518 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-29): Received Eligibility Review with conditions. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836157 | xxxxxx | 33479519 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-05-29): Received Business Purpose Certificate. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836157 | xxxxxx | 33481111 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Rider not provided nor attached to DOT. |  | Reviewer Comment (2025-06-17): Evidence of delivery provided via email which is also evidenced by the signed LOE by borrower.<br>Reviewer Comment (2025-06-16): Received LOE to borrower. Provide evidence of delivery to borrower. Exception remains.<br>Reviewer Comment (2025-06-12): Received Assignments Rider, DOT, Intent to Re- record/recordation page. Provide LOE to borrower and delivery to borrower. Exception remains.<br>Reviewer Comment (2025-05-30): Received the same document which was already in file. Provide Assignment of Leases/Rents rider not provided nor attached to DOT. Exception remains. | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837655 | xxxxxx | 33491604 | xxxxxx | 05/23/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA missing |  | Reviewer Comment (2025-06-18): Updated HOI provided | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837655 | xxxxxx | 33491681 | xxxxxx | 05/23/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note shows xxxxxx VS. HOI shows xxxxxx |  | Reviewer Comment (2025-06-24): Updated HOI provided | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837308 | xxxxxx | 33491976 | xxxxxx | 05/27/2025 | 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. | Excessive DTI |  | Reviewer Comment (2025-06-30): Additional income documents for a second job provided for B1. DTI is now within guidelines. See added condition for missing income documents for the new employment provided.<br>Reviewer Comment (2025-06-26): Condition cannot be cleared. Per the previous comments, ff the full mortgage payment is being paid out of a joint account held with the borrower, then there is no way to know that the debt is paid 50% by another party. Any debt paid by others must be documented with a 12 month history that supports a 3rd party is paying the debt. The full debt is included along with the Schedule E rental income. The DTI is excessive and investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-25): The bank statements provided reflect the borrower as a joint owner, therefore it is not known who is making the payments. Investor can elect to waive DTI exception with verified compensation factors.<br>Reviewer Comment (2025-06-23): A borrower LOE nor CPA letter clear this condition. If the debts are split xxxxxx between the borrower's, 12 months statements from the third party must be provided to support they are paying 50% of the debt. Further, the lease agreement is not used to qualify. Schedule E is used to qualify for rental income on full doc loans.<br>Reviewer Comment (2025-06-09): As previously sent to the client, the debts, income and REO are not calculated based on documents provided in the file and rental income calculated off of schedule E.<br>Reviewer Comment (2025-06-03): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-06-02): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-05-29): The debt for xxxxxx was excluded at time of review and a condition set for another 6 months history being paid by a third party. Therefore this is not the cause of the excessive DTI. Audit DTI is 50.97297%% which exceeds the max of 50%. | 06/30/2025 |  |  | 1 B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33491977 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.97297% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Excessive DTI |  | Reviewer Comment (2025-06-30): Additional income documents for a second job provided for B1. DTI is now within guidelines. See added condition for missing income documents for the new employment provided.<br>Reviewer Comment (2025-06-26): Condition cannot be cleared. Per the previous comments, ff the full mortgage payment is being paid out of a joint account held with the borrower, then there is no way to know that the debt is paid 50% by another party. Any debt paid by others must be documented with a 12 month history that supports a 3rd party is paying the debt. The full debt is included along with the Schedule E rental income. The DTI is excessive and investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-25): The bank statements provided reflect the borrower as a joint owner, therefore it is not known who is making the payments. Investor can elect to waive DTI exception with verified compensation factors.<br>Reviewer Comment (2025-06-23): A borrower LOE nor CPA letter clear this condition. If the debts are split xxxxxx between the borrower's, 12 months statements from the third party must be provided to support they are paying 50% of the debt. Further, the lease agreement is not used to qualify. Schedule E is used to qualify for rental income on full doc loans.<br>Reviewer Comment (2025-06-09): As previously sent to the client, the debts, income and REO are not calculated based on documents provided in the file and rental income calculated off of schedule E.<br>Reviewer Comment (2025-06-03): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-06-02): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-05-29): The debt for xxxxxx was excluded at time of review and a condition set for another 6 months history being paid by a third party. Therefore this is not the cause of the excessive DTI. Audit DTI is 50.97297%% which exceeds the max of 50%. | 06/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33492210 | xxxxxx | 05/27/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.97297% exceeds Guideline total debt ratio of 50.00000%. | Excessive DTI |  | Reviewer Comment (2025-06-30): Additional income documents for a second job provided for B1. DTI is now within guidelines. See added condition for missing income documents for the new employment provided.<br>Reviewer Comment (2025-06-26): Condition cannot be cleared. Per the previous comments, ff the full mortgage payment is being paid out of a joint account held with the borrower, then there is no way to know that the debt is paid 50% by another party. Any debt paid by others must be documented with a 12 month history that supports a 3rd party is paying the debt. The full debt is included along with the Schedule E rental income. The DTI is excessive and investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-25): The bank statements provided reflect the borrower as a joint owner, therefore it is not known who is making the payments. Investor can elect to waive DTI exception with verified compensation factors.<br>Reviewer Comment (2025-06-23): A borrower LOE nor CPA letter clear this condition. If the debts are split xxxxxx between the borrower's, 12 months statements from the third party must be provided to support they are paying 50% of the debt. Further, the lease agreement is not used to qualify. Schedule E is used to qualify for rental income on full doc loans.<br>Reviewer Comment (2025-06-09): As previously sent to the client, the debts, income and REO are not calculated based on documents provided in the file and rental income calculated off of schedule E.<br>Reviewer Comment (2025-06-03): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-06-02): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-05-29): The debt for xxxxxx was excluded at time of review and a condition set for another 6 months history being paid by a third party. Therefore this is not the cause of the excessive DTI. Audit DTI is 50.97297%% which exceeds the max of 50%. | 06/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33492223 | xxxxxx | 05/27/2025 | 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. | Excessive DTI |  | Reviewer Comment (2025-06-30): Additional income documents for a second job provided for B1. DTI is now within guidelines. See added condition for missing income documents for the new employment provided.<br>Reviewer Comment (2025-06-26): Condition cannot be cleared. Per the previous comments, ff the full mortgage payment is being paid out of a joint account held with the borrower, then there is no way to know that the debt is paid 50% by another party. Any debt paid by others must be documented with a 12 month history that supports a 3rd party is paying the debt. The full debt is included along with the Schedule E rental income. The DTI is excessive and investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-25): The bank statements provided reflect the borrower as a joint owner, therefore it is not known who is making the payments. Investor can elect to waive DTI exception with verified compensation factors.<br>Reviewer Comment (2025-06-23): A borrower LOE nor CPA letter clear this condition. If the debts are split xxxxxx between the borrower's, 12 months statements from the third party must be provided to support they are paying 50% of the debt. Further, the lease agreement is not used to qualify. Schedule E is used to qualify for rental income on full doc loans.<br>Reviewer Comment (2025-06-09): As previously sent to the client, the debts, income and REO are not calculated based on documents provided in the file and rental income calculated off of schedule E.<br>Reviewer Comment (2025-06-03): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-06-02): An income figures will need to be requested by the investor as screen shots cannot be uploaded through the portal. Also, please note what expenses also you are referring to? REO, credit, etc. In the request.<br>Reviewer Comment (2025-05-29): The debt for xxxxxx was excluded at time of review and a condition set for another 6 months history being paid by a third party. Therefore this is not the cause of the excessive DTI. Audit DTI is 50.97297%% which exceeds the max of 50%. | 06/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33515962 | xxxxxx | 05/27/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | The lender excluded the REO debt payment on xxxxxx is being paid by another individual. Per guidelines, for debts paid by others 12 months of recent payments must be provided by the individual. Only 6 months were provided. Provide an additional 6 months. |  | Reviewer Comment (2025-05-29): 12 months payments made by third party provided<br>Reviewer Comment (2025-05-28): Per, guidelines if debts paid by business requires 6 months of recent payments. However, the REO debt payments is paid by an Individual person. Therefore, per guidelines, if debts is paid by an another individual requires 12 months of recent payments. Only 6 months were provided. Provide an additional 6 months. Exception remains. | 05/29/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33806124 | xxxxxx | 06/30/2025 | 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. | Additional income documents for a second job provided for B1. VVOE dated within 10 days prior to closing is missing or paystub dated within 30 days prior to closing is missing. |  | Reviewer Comment (2025-07-02): Non-QM | 07/02/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33806125 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Additional income documents for a second job provided for B1. VVOE dated within 10 days prior to closing is missing or paystub dated within 30 days prior to closing is missing. |  | Reviewer Comment (2025-07-02): Paystub dated within 30 days prior to closing was provided for the second job. | 07/02/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33806126 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Additional income documents for a second job provided for B1. VVOE dated within 10 days prior to closing is missing or paystub dated within 30 days prior to closing is missing. |  | Reviewer Comment (2025-07-02): Paystub dated within 30 days prior to closing was provided for the second job. | 07/02/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33806130 | xxxxxx | 06/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | Additional income documents for a second job provided for B1. VVOE dated within 10 days prior to closing is missing or paystub dated within 30 days prior to closing is missing. |  | Reviewer Comment (2025-07-02): Paystub dated within 30 days prior to closing was provided for the second job. | 07/02/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837308 | xxxxxx | 33822208 | xxxxxx | 07/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx |  |  | Reviewer Comment (2025-07-02): Paystub dated within 30 days prior to closing provided which meets guideline requirements. | 07/02/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836702 | xxxxxx | 33488469 | xxxxxx | 05/27/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-29): FTP provided | 05/29/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 836702 | xxxxxx | 33488470 | xxxxxx | 05/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-05-29): FTP provided | 05/29/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 836702 | xxxxxx | 33506993 | xxxxxx | 05/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. Title and Tax Cert provided reflecting taxes due. |  | Reviewer Comment (2025-05-29): Clear FTP provided | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 835508 | xxxxxx | 33489766 | xxxxxx | 05/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-30): Received updated Fraud report, Fraud and OFAC search run on the settlement agent. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836296 | xxxxxx | 33511601 | xxxxxx | 05/28/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-03): The policy provided reflects the effective date of the endorsement is xxxxxx which is post-close and not acceptable. |  |  | 06/06/2025 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836296 | xxxxxx | 33512152 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-27): Client elects to waive |  |  | 05/27/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836296 | xxxxxx | 33523171 | xxxxxx | 05/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other | Provide evidence of free and clear via a property profile or lucid report. Must also reflect vacant land, otherwise evidence of insurance will be required. |  | Reviewer Comment (2025-06-17): Received Property History Report for property located at xxxxxx reflecting the property is commercial property. Exception cleared.<br>Reviewer Comment (2025-06-16): Received property history report for xxxxxx does not reflect property type or land use, to verify if the property is commercial. Therefore provide updated property history report. Exception remains.<br>Reviewer Comment (2025-06-10): Received Property History report for xxxxxx reflecting Land use as xxxxxx and property report for xxxxxx which reflects vacant land. Received Property History report for xxxxxx does not reflect the property type or land use to verify if property is vacant land. Exception remains.<br>Reviewer Comment (2025-06-04): Received Property History Report wherein owner name reflecting is other borrower. Also tax certificate is not acceptable document to verify that the property is free and clear. Provide evidence of free and clear via a property profile or lucid report. Must also reflect vacant land, otherwise evidence of insurance will be required. Exception remains. | 06/17/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836296 | xxxxxx | 33523302 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per the HOI provided for the subject property, it appears the borrower may have other land that was not added to the DTI nor taxes verified. (xxxxxx |  | Reviewer Comment (2025-06-30): Received Search for the coordinates xxxxxx. Exception cleared.<br>Reviewer Comment (2025-06-30): Received Search for the coordinates xxxxxx and xxxxxx. However missing search for xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-26): Received tax bill and property profile report for xxxxxx that supports not owned by the borrower. However, the tax bill for this property is for xxxxxx vs. xxxxxx which the lender indicated in previous comments was for xxxxxx as well as need evidence of coordinates from the previous comments/original condition. The loan officer or HOI agent stating they confirmed the borrower does not own these is not acceptable and would need to be proven. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-19): Comments does not suffices the condition. Please provide document to prove that xxxxxx has those coordinates of xxxxxx; xxxxxx; xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-17): Received Property History Report for property located at xxxxxx, however the document requested is for property history report for the following properties; xxxxxx; xxxxxx; xxxxxx; xxxxxx; xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-16): Received email stating that (xxxxxx; xxxxxx; xxxxxx; xxxxxx; xxxxxx.) properties are xxxxxx, with no lien. Therefore provide property history report to verify the same. Exception cleared.<br>Reviewer Comment (2025-06-10): The provided LOE's & explanation doesnt clear the exception. We would additionally require property history reports for all the xxxxxx properties (xxxxxx; xxxxxx; xxxxxx; xxxxxx.) confirming that borrower is not owning these properties. Exception remains. | 06/30/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836296 | xxxxxx | 33806570 | xxxxxx | 06/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-30): The client elects to waive. The LTV was calculated from two AVM values and meets guideline requirements |  |  | 06/30/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838305 | xxxxxx | 33496008 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | CD reflects a PPP as well as Note states to see PPP addendum. |  | Reviewer Comment (2025-06-03): Received Note Addendum - Prepayment. Exception cleared. | 06/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | Yes | Property Focused |
| xxxxxx | 838305 | xxxxxx | 33496423 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the updated housing history for the primary residence. Borrower made last payment on xxxxxx 24. Application date is xxxxxx . Housing history must be within 45 days of application date. |  | Reviewer Comment (2025-05-29): Received credit report reflecting housing history within 45 days of application date. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837733 | xxxxxx | 33488943 | xxxxxx | 04/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow the use of a month to month lease on a refinance transaction.comp factors are high DSCR of 1.49% | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-04-29): Client elects to downgrade and waive using compensating factors:<br> The DSCR of 1.145% is greater than the minimum required DSCR of 1.00% |  |  | 04/29/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 837739 | xxxxxx | 33488948 | xxxxxx | 05/01/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Missing Fraud and OFAC for xxxxxx. |  | Reviewer Comment (2025-05-07): OFAC for member provided, exception cleared. | 05/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837737 | xxxxxx | 33488960 | xxxxxx | 05/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $100,000.00. | Lender Exception: Approved Lender Exception - Loan amount less tan $100,000 - at xxxxxx (xxxxxx has approved), Compensating Factor - Value xxxxxx is higher than purchase price (xxxxxx), DSCR is high at 2.45, priced with 12 months reserve - borrower has over 70 months. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's Experience/Track Record. The borrower has 5 Years of Experience. Currently holds 5 Properties. | Reviewer Comment (2025-05-12): Client elects to downgrade and waive based on the following compensating factors: <br> The borrower's DSCR is high at 1.96 <br> Guideline required DSCR is 1.00 <br>Borrower has 70 months in reserves<br> Guideline/pricing requirement: 12 months. |  |  | 05/12/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 837554 | xxxxxx | 33501659 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-06-06): Received Fraud Report with OFAC search run on Borrowers/Guarantors, Property Sellers. Exception cleared. | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837554 | xxxxxx | 33501660 | xxxxxx | 05/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Provide the unexpired passport. |  | Reviewer Comment (2025-05-30): Received unexpired passport. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837554 | xxxxxx | 33501697 | xxxxxx | 05/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.74 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2025-06-17): Paid invoice dated at closing provided<br>Reviewer Comment (2025-06-16): The comments from the lender on xxxxxx state the updated invoice is the date of the printed invoice and not the date it was paid. We need to know the date it was paid to determine if it can be added back to closing funds. Must be at or prior to closing.<br>Reviewer Comment (2025-06-11): Assets updated based on docs provided. Cash to close is calculated ad funds to close + POBB fees + EMD + any adjustments/gifts/1031 on the Final CD. Verified Assets: xxxxxx $156,825, EMD $69,200, POCB fee $2,011 and $775. The attorney POCB fee of $1,850 marked paid cannot be included for closing funds as it is dated xxxxxx which is post-close. If it can be proven this was paid at or prior to closing it can be added back.<br>Reviewer Comment (2025-06-11): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 5.16 is less than Guideline PITIA months reserves of 6.00.<br>Reviewer Comment (2025-06-10): Received same business bank statement that was already provided on xxxxxx . Please provide additional asset. Exception remains. | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837554 | xxxxxx | 33520223 | xxxxxx | 05/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The bank statement for xxxxxx Bank does not reflect an account holder name or account number. |  | Reviewer Comment (2025-06-03): Received bank statement with account number which clarified that the borrower is owner of business account. Exception cleared. | 06/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 834424 | xxxxxx | 33497701 | xxxxxx | 05/28/2025 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss or loss of use coverage of 6 months PITIA is required. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-04): Client elect to waive with verified compensation factors |  |  | 06/04/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834424 | xxxxxx | 33497713 | xxxxxx | 05/28/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2025-06-04): 442 provided | 06/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837667 | xxxxxx | 33520827 | xxxxxx | 05/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per appraisal, Unit xxxxxx is occupied. Provide the lease agreement. Lease Agreement only in file for Unit xxxxxx. |  | Reviewer Comment (2025-05-30): Received Lease Agreement for Unit xxxxxx. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 837667 | xxxxxx | 33520875 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The PPP Rider to the DOT is not executed by xxxxxx, only dated. . |  | Reviewer Comment (2025-05-30): Received signed and dated PPP rider by all parties. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 837684 | xxxxxx | 33520932 | xxxxxx | 05/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per appraisal, Unit xxxxxx is occupied. Provide the lease agreement. Lease Agreement only in file for Unit xxxxxx. |  | Reviewer Comment (2025-05-30): Received Lease Agreement for Unit xxxxxx. Exception cleared. | 05/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 836310 | xxxxxx | 33506080 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in Fraud/OFAC search. The Settlement Agent, xxxxxx is missing. |  | Reviewer Comment (2025-06-09): Received Fraud and OFAC Search run on Settlement Agent, xxxxxx. Exception cleared. | 06/09/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | 33506450 | xxxxxx | 05/28/2025 | 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 $92.00 exceeds tolerance of $65.00. Insufficient or no cure was provided to the borrower. (7506) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-09): xxxxxx Received Valid COC dated xxxxxx .<br>Reviewer Comment (2025-06-05): xxxxxx received COC dated xxxxxx however the reason mentioned is not valid. Kindly provide a valid COC as to why the Appraisal fee were increased on CD dated xxxxxx for $68.50 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-06-02): xxxxxx Final CD reflects cure of $23.50 for Appraisal fee; however, Cure required is $27. Provide Valid COC for Appraisal fee increased on xxxxxx or provide Cure Docs for $3.50. Cure Consists of PCCD, LOE and Copy of Check. | 06/09/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | 33506451 | xxxxxx | 05/28/2025 | 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 Credit Report Fee. Fee Amount of $144.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 06/02/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | 33506478 | xxxxxx | 05/28/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx Lien Position: 2 |  |  | Reviewer Comment (2025-05-30): Second AVM provided | 05/30/2025 |  |  | 1 D A | N/A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | 33506601 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Only the mortgage statement was provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-19): Client elects to waive with verified compensation factors |  |  | 06/19/2025 | 2 D B | D B | N/A | N/A D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | 33506766 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-28): Client elects to waive |  |  | 05/28/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | 33602920 | xxxxxx | 06/09/2025 | 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 $92.00 exceeds tolerance of $68.50. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | 06/09/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | 33602922 | xxxxxx | 06/09/2025 | 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 $144.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | 06/09/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837979 | xxxxxx | 33508127 | xxxxxx | 05/29/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note xxxxxx vs. HOI xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors |  |  | 06/10/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 837979 | xxxxxx | 33508128 | xxxxxx | 05/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-30): FTP provided | 06/30/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 837979 | xxxxxx | 33510540 | xxxxxx | 05/29/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE is over 1 year old. Provide the updated RCE. |  | Reviewer Comment (2025-06-30): RCE provided<br>Reviewer Comment (2025-05-30): The verbiage on the HOI states it covers up to the replacement cost, however without the updated RCE, it is not known what this is. The guidelines also do not allow replacement cost verbiage in lieu of knowing the replacement cost. Provide the updated RCE. | 06/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 837979 | xxxxxx | 33534458 | xxxxxx | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Vesting subject to item #10 which states "Prior to close of this transaction, please provide for our review those portions of the xxxxxx created on xxxxxx Trust pertaining to the appointment of a successor trustee(s). Provide the Trust or clear title policy. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-05): Clear FTP provided, however the address is incorrect. Address is xxxxxx and FTP reflects xxxxxx. Provide the updated FTP and email from title with updates. |  |  | 06/10/2025 | 2 C B | C B | C | B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 834917 | xxxxxx | 33510598 | xxxxxx | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-19): Received OFAC, GSA and LDP search on settlement agent, xxxxxx. Exception cleared. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837055 | xxxxxx | 33534922 | xxxxxx | 05/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the subject property DLA on credit report is 6/2022. Per investor overlays to lender's guidelines, provide the updated history. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors |  |  | 07/01/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837041 | xxxxxx | 33518809 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on property owner, xxxxxx and xxxxxx, signing as xxxxxx |  | Reviewer Comment (2025-06-09): Received Fraud and OFAC searches run on property owner, xxxxxx and xxxxxx. Exception cleared.<br>Reviewer Comment (2025-06-04): Fraud and OFAC search is run on the trust, however fraud and OFAC search needs to be run on the individual name. Since, xxxxxx and xxxxxx are the xxxxxx of the trust. Therefore, provide fraud and OFAC search for xxxxxx and xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-03): Fraud report page 44 reflects property overview. However condition is raised for Fraud and OFAC searches run on property owner, xxxxxx and xxxxxx, signing as xxxxxx. Exception remains. | 06/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838103 | xxxxxx | 33541918 | xxxxxx | 06/02/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Appraisal reflects tenant occupied. Per guidelines, 1007 must reflect actual rents and be within 120% of actual rents. Further, the 1007 is incomplete on comparables if rents are long term or short term. Lease information was left blank. |  | Reviewer Comment (2025-06-19): Updated 1007 provided with corrected occupant and 1007 lease dates which reflect long term rents.<br>Reviewer Comment (2025-06-17): The 1007 dates reflect for comparales 2 and 3 dates of xxxxxx.<br>Reviewer Comment (2025-06-11): As stated in the original condition, and on xxxxxx, it is acknowledged the appraisal was updated to Owner Occupied from tenant occupied. This is in regards to the comparables and if the estimated rents are based off long or short term as the lease data was left blank.<br>Reviewer Comment (2025-06-10): The same appraisal was provided that was provided on xxxxxx Please review the original condition and comments on xxxxxx Received updated appraisal reflecting OO but this does not cure the incomplete 1007. The 1007 is incomplete on comparables if rents are long term or short term. Lease information was left blank. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838103 | xxxxxx | 33542025 | xxxxxx | 06/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the updated housing history for the primary residence for xxxxxx. DLA xxxxxx and application date is xxxxxx which is > 45 days. |  | Reviewer Comment (2025-06-03): Received updated Credit Report. Exception cleared. | 06/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 835221 | xxxxxx | 33542612 | xxxxxx | 06/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD reflects a disbursement date prior to consummation. There is a PC-CD in file which updates this, however the final stamped settlement statement was not provided to support. |  | Reviewer Comment (2025-06-03): Final stamped settlement statement provided | 06/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 835426 | xxxxxx | 33521264 | xxxxxx | 06/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the current primary residence on xxxxxx is free and clear. (Note: There is also an LOE dated xxxxxx that states the borrower will be living rent free at xxxxxx until he can find a new primary). Updated 1003 may also be required. |  | Reviewer Comment (2025-06-11): Received Property History Report to verify primary property free and clear. Exception cleared.<br>Reviewer Comment (2025-06-10): Received Internet Search reflecting the property was sold on xxxxxx . Received HOI policy is not acceptable to verify property is free and clear. Provide property history report for current primary residence on xxxxxx. Exception remains. | 06/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835426 | xxxxxx | 33521297 | xxxxxx | 06/02/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The amount of coverage must be at least equal to:<br> • Replacement Cost coverage or similar verbiage as stated in the declarations page, or<br> • 100% of the insurable value of the improvements as established by the insurer or coverage amounts as<br> determined by xxxxxx Mortgage's calculation from a full appraisal. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-04): Client elects to waive with verified compensation factors. Dwelling coverage is $421k, which is greater than the loan amount of xxxxxx. |  |  | 06/04/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838136 | xxxxxx | 33529653 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement is executed by Business Entity vs individual. |  | Reviewer Comment (2025-06-12): Received updated Guarantor Agreement signed by the Individuals. Exception cleared.<br>Reviewer Comment (2025-06-10): Received same Guarantor Agreement that is executed by business. Please provide Guarantor Agreement that is executed by borrower as an individual. Exception remains.<br>Reviewer Comment (2025-06-09): Received Guaranty Agreement signed by Business Entity. However, we need the Guaranty Agreement to be executed by the borrower. Exception remains. | 06/12/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 838136 | xxxxxx | 33529656 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-04): Approval provided | 06/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 838136 | xxxxxx | 33529657 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The Note, under section 2 for Payments, reflects (payment amount in words) and (numerical amount) and (number of months) vs. the actual figures. Provide the corrected and executed Note, LOE to borrower and evidence of delivery to the borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-10): Received corrected and executed Note. Pending LOE to borrower and evidence of delivery to the borrower. Exception remains. |  |  | 06/12/2025 | 2 D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 838136 | xxxxxx | 33533549 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate Settlement Statement only in file. |  | Reviewer Comment (2025-06-04): Final stamped SS provided | 06/04/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 833923 | xxxxxx | 33522697 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Foreclosure timeline outside of credit guidelines |  | The background check reflects a foreclosure from xxxxxx xxxxxx, which is less than 3 years old. |  | Reviewer Comment (2025-05-02): Per documents provided, borrower purchased this property as an REO/foreclosure and it was not a foreclosure proceeding against our guarantor. Condition cleared.<br>Reviewer Comment (2025-04-23): Document received reflects a property with a modification in xxxxxx. The foreclosure on the background check is from xxxxxx, which is outside of guideline allowed timeframe. | 05/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838297 | xxxxxx | 33531779 | xxxxxx | 06/03/2025 | 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 - Tax Certificate Fee. Fee Amount of $87.43 exceeds tolerance of $85.00. Insufficient or no cure was provided to the borrower. (75204) | Cure nor valid COC provided. Fee paid to a lender affiliate. 0% tolerance. |  | Reviewer Comment (2025-06-25): xxxxxx received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-06-16): xxxxxx - Title - Tax certificate fee increased on CD dated xxxxxx in the amount of $87.43 and the fee was payable to xxxxxx title company and Lender has an Affiliated business with xxxxxx, hence, Title-Tax cert fee is subject to 0% Tolerance. Please provide valid COC for the fee was increased on xxxxxx or sufficient cure along with Post close CD, LOE, Proof of delivery and copy of check required. |  | 06/25/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838297 | xxxxxx | 33534953 | xxxxxx | 06/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing SOF for 2 large deposits. Provide the source of funds for the xxxxxx $50,000 wire from xxxxxx and xxxxxx $37,000 into xxxxxx. |  | Reviewer Comment (2025-06-24): $37,000 are the gift funds received in xxxxxx account (2 gifts for $18,500 each total $37,000) and plan details and statement for xxxxxx form 401K for up to xxxxxx loan amount allowed to be taken out.<br>Reviewer Comment (2025-06-16): None of the documents provided clear the condition nor address the two large deposits in question. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838297 | xxxxxx | 33556287 | xxxxxx | 06/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There was a vendor's lien recorded on the final title. A vendor's lien retained on a title means that the property seller retains a legal claim on the property to ensure payment of the purchase price, even after the buyer takes possession. This lien is usually used in situations where the buyer is not paying the full price upfront. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-26): Assigned to investor to advise if the are accepting the FTP as-is. Per tile memo, this is common when the seller is financing part of the purchase price. Per xxxxxx property code 5.006 a vendor automatically has a lien for any unpaid purchase money unless it is waived.<br>Reviewer Comment (2025-06-24): None of the documents provided clear the condition. The deed provided reflects it was recorded at closing and not satisfied. If it was satisfied, the updated and clear FTP is required. The vendor's lien is on page 12 of 19 of the final title policy under a different recorded instrument. The original lien holder was xxxxxx. A vendor's lien retained on a title means that the property seller retains a legal claim on the property to ensure payment of the purchase price, even after the buyer takes possession. This lien is usually used in situations where the buyer is not paying the full price upfront.<br>Reviewer Comment (2025-06-16): None of the documents provided clear the condition. The deed provided reflects it was recorded at closing and not satisfied. If it was satisfied, the updated and clear FTP is required. |  |  | 07/03/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833953 | xxxxxx | 33535119 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of the seller, xxxxxx and xxxxxx. |  | Reviewer Comment (2025-06-10): Received HUD/LDP/GSA search for sellers. Exception cleared.<br>Reviewer Comment (2025-06-09): Received OFAC search of the seller, xxxxxx and xxxxxx. Provide updated Fraud Report or HUD/GSA/LDP search. Exception remains. Exception remains. | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 833953 | xxxxxx | 33535120 | xxxxxx | 06/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Credit Supplement provided for primary rental housing history reflects VOR 123 and does not state who verified the information (i.e., landlord name, etc.). Provide a VOR for the property borrower's primary residence. Any VOR completed by a private party, or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). |  | Reviewer Comment (2025-06-11): Received Credit supplemental report. Information is completed by xxxxxx. Exception cleared. | 06/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 833953 | xxxxxx | 33535158 | xxxxxx | 06/04/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-09): Received AVM. Exception cleared. | 06/09/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 833953 | xxxxxx | 33536083 | xxxxxx | 06/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan closed in an Entity, however the Security Agreement and it's Riders signature block do not reflect the Entity. Only reflects individuals. Provide the corrected and executed Security Agreement and Riders, LOE to borrower, and evidence of delivery to the borrower as well as letter of intent to re-record. |  | Reviewer Comment (2025-06-16): LOE and evidence of delivery provided<br>Reviewer Comment (2025-06-16): Cleared in error. Received corrected and executed DOT + Riders and Lender's LOI. Pending receipt of LOE to borrower and evidence of delivery to the borrowers which are part of the cure provisions. | 06/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 833953 | xxxxxx | 33536649 | xxxxxx | 06/04/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The loan closed in an Entity, however the Note and Note Addendum - Prepayment penalty signature does not reflect the Entity by Guarantor. Provide the corrected and executed Note and addendum, LOE to borrower, and evidence of delivery to the borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-03): Client elects to waive |  |  | 06/03/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 837492 | xxxxxx | 33534723 | xxxxxx | 06/04/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Page 1 of the 1003 reflects xxxxxx as the primary residence. REO section xxxxxx reflect xxxxxx as the primary residence. Fraud Report was run with xxxxxx as primary and credit report with xxxxxx as primary. Provide evidence of what is the borrower's actual primary residence and updated 1003. Additional conditions may apply. |  | Reviewer Comment (2025-06-11): HUD from purchase of property provided for current primary xxxxxx and settlement statement from sale of xxxxxx previous primary provided reflects our borrowers. Property profile report reflects the Seller as the current owner but reflects mortgage release in 2024 which matches the purchase HUD for our borrower's and reflects seller lien paid off at this time. Per client, xxxxxx has a delay in uploading county records which is why property profile report reflects the incorrect property owner for xxxxxx.<br>Reviewer Comment (2025-06-06): If xxxxxx is the owner, then the borrower has no ownership interest in the primary residence located at xxxxxx. Provide the updated 1003. Also, if borrower is renting, VOR + rent receipts will be required. In addition, since borrower is a FTI, the requirement for must own a primary residence was not met. Separate condition added.<br>Reviewer Comment (2025-06-05): Received corrected 1003 reflecting xxxxxx as primary residence. The property profile report reflects xxxxxx is owned by xxxxxx. Provide evidence of ownership in business. | 06/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837492 | xxxxxx | 33534726 | xxxxxx | 06/04/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Investor exception: To allow up to 75% LTV when loan amount is < $150,000 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-03): Client elects to waive with verified compensation factors |  |  | 06/03/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837492 | xxxxxx | 33600593 | xxxxxx | 06/06/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investors - Must own a primary residence. Based on documents provided post-review, the borrower has no ownership in the primary residence. |  | Reviewer Comment (2025-06-11): HUD from purchase of property provided for current primary xxxxxx and settlement statement from sale of xxxxxx previous primary provided reflects our borrowers. Property profile report reflects the Seller as the current owner but reflects mortgage release in 2024 which matches the purchase HUD for our borrower's and reflects seller lien paid off at this time. Per client, xxxxxx has a delay in uploading county records which is why property profile report reflects the incorrect property owner for xxxxxx. | 06/11/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834043 | xxxxxx | 33562324 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud report not provided, only clearance report. |  | Reviewer Comment (2025-06-10): Received full fraud report. Exception cleared. | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 834043 | xxxxxx | 33562364 | xxxxxx | 06/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | For properties owned greater than 6 months but less than 12-months: LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. Lender utilized higher appraised value. Documented improvements not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors |  |  | 06/10/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 834043 | xxxxxx | 33562395 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement signed as a Business Entity vs. Individual. |  | Reviewer Comment (2025-06-10): Received Guarantor Agreement signed as an Individual. Exception cleared. | 06/10/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 838085 | xxxxxx | 33536732 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Ticket |  | Reviewer Comment (2025-06-04): Wire ticket provided | 06/04/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838085 | xxxxxx | 33536746 | xxxxxx | 06/04/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $185,527.31. | Asset documentation not provided |  | Reviewer Comment (2025-06-10): Asset statements provided | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838085 | xxxxxx | 33536922 | xxxxxx | 06/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Asset documentation not provided |  | Reviewer Comment (2025-06-10): Asset statements provided | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838085 | xxxxxx | 33563890 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Policy does not specify if wind and hail coverage is included. |  | Reviewer Comment (2025-06-10): Agent confirmation xxxxxx included | 06/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838085 | xxxxxx | 33563902 | xxxxxx | 06/04/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the borrower contact sheet that reflects citizenship. |  | Reviewer Comment (2025-06-04): Contact sheet provided | 06/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 835648 | xxxxxx | 33537402 | xxxxxx | 06/04/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: xxxxxx vs xxxxxx |  | Reviewer Comment (2025-06-13): Updated CDA provided | 06/13/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 835648 | xxxxxx | 33541133 | xxxxxx | 06/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx is missing |  | Reviewer Comment (2025-06-06): Email from title with updates provided<br>Reviewer Comment (2025-06-05): The incorrect and correct title policies are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title. | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838597 | xxxxxx | 33537592 | xxxxxx | 06/04/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Flood Insurance and HOI policies: Flood Insurance reflects xxxxxx vs. xxxxxx; HOI reflects xxxxxx vs. xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-20): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-13): The updated flood was provided, however reflects effective dates post close which is not acceptable.<br>Reviewer Comment (2025-06-12): Corrected HOI provided. Pending receipt of corrected flood insurance. |  |  | 06/20/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838597 | xxxxxx | 33537593 | xxxxxx | 06/04/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-25): FTP provided | 06/25/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838597 | xxxxxx | 33537690 | xxxxxx | 06/04/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal Report: xxxxxx vs xxxxxx |  | Reviewer Comment (2025-06-12): Corrected appraisal received | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838597 | xxxxxx | 33563443 | xxxxxx | 06/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx vs. xxxxxx |  | Reviewer Comment (2025-06-25): FTP provided | 06/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835237 | xxxxxx | 33562851 | xxxxxx | 06/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Address: xxxxxx vs xxxxxx. |  | Reviewer Comment (2025-06-11): Email provided for updates<br>Reviewer Comment (2025-06-11): The incorrect and correct title polices are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates). | 06/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836942 | xxxxxx | 33547979 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on seller, xxxxxx, signer for xxxxxx. |  | Reviewer Comment (2025-06-09): Received Fraud and OFAC searches run on seller, xxxxxx, signer for xxxxxx. Exception cleared. | 06/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836942 | xxxxxx | 33562459 | xxxxxx | 06/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. Property profile report and fraud report reflect a mortgage lien for xxxxxx that does not reflect on credit. |  | Reviewer Comment (2025-06-06): Received credit report which reflects a mortgage lien for xxxxxx is paid off. Exception cleared. | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837947 | xxxxxx | 33549442 | xxxxxx | 06/06/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance has xxxxxx on the address and the Note does not. |  | Reviewer Comment (2025-06-12): Updated HOI provided<br>Reviewer Comment (2025-06-09): The comments are not acceptable. All addresses must match. | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 837947 | xxxxxx | 33580536 | xxxxxx | 06/06/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects on page 1 under General Description subject as xxxxxx units but is actually a xxxxxx unit property. Provide the updated appraisal. |  | Reviewer Comment (2025-06-10): Updated appraisal provided | 06/10/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 837231 | xxxxxx | 33580858 | xxxxxx | 06/06/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx, Financial Institution: xxxxxx // Account Type: Savings / Account Number: xxxxxx | Both accounts are > 120 days old (126 days) and needed for closing/reserve requirements. |  | Reviewer Comment (2025-06-17): Received bank statement dated xxxxxx . Exception cleared. | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838850 | xxxxxx | 33556081 | xxxxxx | 06/06/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report. Note, Verification of Mortgage form and Payoff statement provided. The maturity date per the Note is xxxxxx . Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent (e.g., delinquent 31 days is 1x30 late, delinquent 61 days is 1x60 late, etc). Provide the extensions. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Experienced Investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-09): Received mortgage loan payoff statement which was already in file. Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent (e.g., delinquent 31 days is 1x30 late, delinquent 61 days is 1x60 late, etc). Provide the extensions. Exception remains. |  |  | 06/27/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838850 | xxxxxx | 33556386 | xxxxxx | 06/06/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The RCE reflects an RCE of xxxxxx. Coverage on policy is xxxxxx. |  | Reviewer Comment (2025-06-25): Updated HOI with increased coverage effective at time of closing. | 06/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838850 | xxxxxx | 33556433 | xxxxxx | 06/06/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | < 1.00 max LTV is 70%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Experienced Investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): The attached does not clear this condition and lease was already provided at time of review. In order to use higher lease amounts, 2 months rent receipt must be provided. |  |  | 06/27/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838850 | xxxxxx | 33556435 | xxxxxx | 06/06/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.07 is less than Guideline PITIA months reserves of 2.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Experienced Investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors |  |  | 06/27/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838850 | xxxxxx | 33556972 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-09): Received Fraud report and OFAC run on settlement agent, xxxxxx. Exception cleared. | 06/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835783 | xxxxxx | 33556613 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-06): BP cert provided | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835783 | xxxxxx | 33556614 | xxxxxx | 06/06/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business purpose cert not provided |  | Reviewer Comment (2025-06-06): BP cert provided | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835783 | xxxxxx | 33556664 | xxxxxx | 06/06/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Missing ISAOA | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-12): It does not matter if the effective dates did not change. The corrections to the mortgagee did not take effect until xxxxxx which is post close and not acceptable.<br>Reviewer Comment (2025-06-11): The updated dec page reflects effective date of change is xxxxxx which is post close and not acceptable. |  |  | 06/13/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835783 | xxxxxx | 33560725 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Provide pages 3-6 of the Assignment of Leases and Rents Rider. |  | Reviewer Comment (2025-06-06): Additional pages provided | 06/06/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835649 | xxxxxx | 33548526 | xxxxxx | 05/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.80 is less than Guideline PITIA months reserves of 12.00. | Calculated PITIA months reserves of 4.80 is less than Guideline PITIA months reserves of 12.00.as bank statement is missing in loan file |  | Reviewer Comment (2025-05-15): Received Closing statement from other properties. Exception Cleared.<br>Reviewer Comment (2025-05-14): Provided closing statement address differs from the the subject property. Please provide subject property closing statement. Exception remains. | 05/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837496 | xxxxxx | 33569016 | xxxxxx | 06/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-24): Received Credit refresh report dated xxxxxx . Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837496 | xxxxxx | 33569086 | xxxxxx | 06/09/2025 | 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 (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837496 | xxxxxx | 33569094 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID) |  | Reviewer Comment (2025-06-27): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-26): xxxxxx received Corrected CD. Missing copy of LOE to borrower for the xxxxxx PCCD.<br>Reviewer Comment (2025-06-13): Please provide PCCD and LOE with completed NMLS id on the 5th page of the PCCD to cure. |  | 06/27/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837496 | xxxxxx | 33598592 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Per the NMLS, the LO was not licensed on xxxxxx in ID. LO license must be active from time of application until closing. Provide an attestation from the LO advising if any business was conducted on the loan this day. |  | Reviewer Comment (2025-06-19): Client elects to waive<br>Reviewer Comment (2025-06-19): Attestation states that no loan origination activity was conducted by the entity during the timeframe there was no approved license.<br>Reviewer Comment (2025-06-13): The docs provided do not clear the condition. The NMLS was reviewed at time of submission. Per the NMLS, the LO was not active on xxxxxx The LO must be active at time of application through time of closing. Per the original condition, provide an attestation from the LO advising if any business was conducted on the loan this day. |  |  | 06/19/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837496 | xxxxxx | 33598595 | xxxxxx | 06/09/2025 | 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 $0.00. Insufficient or no cure was provided to the borrower. (7588) | Additional information is required to determine if COC is valid. COC just states fee was added. None of the reasons listed warrant this fee addition. |  | Reviewer Comment (2025-07-07): xxxxxx Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2025-07-02): xxxxxx received LOX stating, "the borrower decided to close in the trust after the loan process started, and initial disclosure were sent out". However, the title commitment dated xxxxxx already states that the title is vested in trust. It was already known at the initial review the property will be vested in trust. We would require additional information as to what new information has received that resulted in adding xxxxxx attorney doc review fee on LE dated xxxxxx or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-06-27): xxxxxx: Doc prep disclosed in the amount of $150 from initial LE to final CD section A. However, xxxxxx attorney Doc review fee added of $150 added on locked LE section B and provided COC does not give sufficient information on what impacts and why the xxxxxx attorney doc fee added on revised LE and was not known prior to at the time of initial disclosures. Please provide documentation of the reason for the fee added, what information was received that required added the fee and when was that information received or Cure is required.<br>Reviewer Comment (2025-06-16): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the xxxxxx attorney doc review fee added. In order to determine if the changed circumstance is valid more information is necessary on reason for the 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. |  | 07/07/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838462 | xxxxxx | 33573004 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The OA is not executed. |  | Reviewer Comment (2025-06-16): Received executed copy of Operating Agreement. Exception cleared.<br>Reviewer Comment (2025-06-10): The same OA was provided that was in file at time of review. Please review original condition. The OA is not executed. | 06/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 836218 | xxxxxx | 33584464 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Entity documents for Investors xxxxxx 100% owner of Borrowing LLC. (Articles of Inc, EIN, COGS, Bylaws). Per guidelines, multi-level entity structures are allowed subject to entity documentation requirements met for all entities. |  | Reviewer Comment (2025-06-13): Per client email, client is not requiring any docs on the 1031 Exchange Inc company and using the assignments in lieu of.<br>Reviewer Comment (2025-06-13): Please email the DD management if investor is not requiring documents for 1031 Exchange Inc<br>Reviewer Comment (2025-06-10): Based on the assignment, the LLC was purchased/assigned to the 1031 Exchange Inc company. All documents in the condition are required. | 06/13/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 834871 | xxxxxx | 33569279 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-18): Received LDP search. Exception cleared.<br>Reviewer Comment (2025-06-17): Received GSA. Provide LDP search or updated fraud report for settlement agent. Exception remains.<br>Reviewer Comment (2025-06-11): Received only OFAC search for settlement agent. Provide GSA/HUD/LDP search or updated fraud report for settlement agent. Exception remains. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 834871 | xxxxxx | 33569287 | xxxxxx | 06/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide leases for all xxxxxx units. Units occupied as per appraisal. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-05): Loan was reviewed to 1.2025 guidelines and 2.2025 matrix which require leases on refinances. |  |  | 06/12/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838492 | xxxxxx | 33585127 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | I/O not allowed on DSCR < 1.00 (No Ratio). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors |  |  | 06/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837482 | xxxxxx | 33568057 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-07-08): Received Note - Senior Lien. Exception cleared. | 07/08/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | 33568067 | xxxxxx | 06/09/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx vs xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-07-03): Client elect to waive with verified compensation factors |  |  | 07/03/2025 | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | 33568069 | xxxxxx | 06/09/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-06-11): Secondary AVM provided | 06/11/2025 |  |  | 1 D A | N/A | N/A | N/A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | 33592821 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  | Property is in a PUD. Evidence of HOA dues not provided. |  | Reviewer Comment (2025-06-12): Received LOE & Copy of check for HOA dues paid for year 2025. Exception cleared. | 06/12/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | 33592888 | xxxxxx | 06/09/2025 | 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 $1,200.00 exceeds tolerance of $192.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-16): xxxxxx received updated LE and valid changed circumstance.<br>Reviewer Comment (2025-06-12): xxxxxx received changed circumstance dated xxxxxx , but a corresponding xxxxxx was not provided. Please provide xxxxxx for further analysis. | 06/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | 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 | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | 33592889 | xxxxxx | 06/09/2025 | 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 Credit Report Fee. Fee Amount of $114.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 06/12/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | 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 | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | 33659682 | xxxxxx | 06/16/2025 | 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 $114.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-16): Sufficient Cure Provided At Closing |  | 06/16/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | 33958196 | xxxxxx | 07/17/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-07-17): The client elects to waive. The LTV was calculated from two AVM values and meets guideline requirements |  |  | 07/17/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 837999 | xxxxxx | 33569179 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.88987% or Final Disclosure APR of 10.89600% is equal to or greater than the threshold of APOR 6.80% + 3.5%, or 10.30000%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal delivery in file dated xxxxxx with no evidence of borrower receipt or download. 3 day mailbox rule applied. Presumed receipt is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-06-12): Borrower download confirmation on xxxxxx provided. | 06/12/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837999 | xxxxxx | 33569180 | xxxxxx | 06/09/2025 | 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. (Type:Primary xxxxxx | Appraisal delivery in file dated xxxxxx with no evidence of borrower receipt or download. 3 day mailbox rule applied. Presumed receipt is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-06-12): Borrower download confirmation on xxxxxx provided. | 06/12/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837999 | xxxxxx | 33569184 | xxxxxx | 06/09/2025 | 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 $108.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Cure provided. |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | 06/03/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837999 | xxxxxx | 33569185 | xxxxxx | 06/09/2025 | 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 $1,779.78 exceeds tolerance of $1,458.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Cure provided. |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | 06/03/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | 33569155 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $359,970.55 is over disclosed by $181.95 compared to the calculated Amount Financed of $359,788.60 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $359,970.55; calculated amount financed is $359,788.60. Variance is $181.95. |  | Reviewer Comment (2025-07-14): xxxxxx received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-06-30): xxxxxx received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. |  | 07/14/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | 33569156 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $594,285.10 is under disclosed by $181.95 compared to the calculated Finance Charge of $594,467.05 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $594,285.10; calculated finance charge is $594,467.05. Variance is $181.95. |  | Reviewer Comment (2025-07-14): xxxxxx received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-06-30): xxxxxx received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. |  | 07/14/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | 33569157 | xxxxxx | 06/09/2025 | 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 $585.00 exceeds tolerance of $560.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $560.00 on the initial Loan Estimate to $585.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-06-30): xxxxxx received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-16): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on what impacts in mortgage conditions that required to increase the fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase 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. |  | 06/30/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | 33569158 | xxxxxx | 06/09/2025 | 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 Credit Report Fee. Fee Amount of $130.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $59.00 on the initial Loan Estimate to $130.00 on the Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-06-16): xxxxxx: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 06/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | 33573813 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. IRS tax lien payment shown on Final CD is less that total shown on title commitment. |  | Reviewer Comment (2025-06-17): Payoff for IRS lien provided<br>Reviewer Comment (2025-06-13): An unexecuted settlement statement is not acceptable to clear condition. As noted in the original condition, the amount paid on the final CD is less than the amount on title. The comments from seller on xxxxxx says IRS Payoff, but a payoff was not provided in trailing documents. | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | 33573896 | xxxxxx | 06/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.16184% exceeds Guideline total debt ratio of 43.00000%. | Less than 12 month housing history provided for REO on xxxxxx (Note or Mortgage statement not provided). Max DTI reduced to 43%. Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-06): Client elects to waive with verified compensation factors |  |  | 06/06/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | 33573907 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.16184% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Less than 12 month housing history provided for REO on xxxxxx (Note or Mortgage statement not provided). Max DTI reduced to 43%. Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-06): Client elects to waive with verified compensation factors |  |  | 06/06/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837071 | xxxxxx | 33569432 | xxxxxx | 06/09/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert reflects xxxxxx vs. all other documents which do not. |  | Reviewer Comment (2025-06-13): Updated flood cert provided | 06/13/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837071 | xxxxxx | 33573722 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Refinance only is not checked. |  | Reviewer Comment (2025-06-13): Updated and initialed NOO provided | 06/13/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837071 | xxxxxx | 33583656 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. Taxes due xxxxxx and now delinquent were not paid through closing. |  | Reviewer Comment (2025-06-13): Tax cert provided reflecting taxes due taxes were paid | 06/13/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837071 | xxxxxx | 33583682 | xxxxxx | 06/09/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects xxxxxx |  | Reviewer Comment (2025-06-17): Updated appraisal provided | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838260 | xxxxxx | 33573860 | xxxxxx | 06/09/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | 33573862 | xxxxxx | 06/09/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) xxxxxx Subprime Loan (Escrow Not Established) | xxxxxx 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 (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | 33573864 | xxxxxx | 06/09/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 11.13641% or Final Disclosure APR of 11.25200% is in excess of allowable threshold of Prime Mortgage Market Rate 6.91000 + 3.75%, or 10.66000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | 33573866 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-06-12): Client elects to waive. SOL 1 year from consummation. Expires xxxxxx |  |  | 06/12/2025 | 3 C | C | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | 33573868 | xxxxxx | 06/09/2025 | 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 $1,725.00 exceeds tolerance of $570.00 plus 10% or $627.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | 33573869 | xxxxxx | 06/09/2025 | 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 $2,570.00 exceeds tolerance of $2,370.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | 33593636 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Borrower narrative on nature of business required. Processor Cert provided in lieu of. |  | Reviewer Comment (2025-06-12): The business narrative was provided reflecting borrower's business is in real estate. Although, the form was completed by the accountant, the borrower also signed the form verifying the information. Requirements met.<br>Reviewer Comment (2025-06-12): Please provide letter from borrower on nature of business. Exception remains. | 06/12/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838236 | xxxxxx | 33581982 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the xxxxxx Program)? reflects Yes. Missing documented and/or does not meet guideline requirements. | Borrower: xxxxxx | 1003/Declarations: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the xxxxxx Program)? was entered Yes. Documentation was not provided for this. |  | Reviewer Comment (2025-06-18): Received corrected 1003. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838236 | xxxxxx | 33582658 | xxxxxx | 06/10/2025 | 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. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-16): xxxxxx received initial CD. | 06/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838236 | xxxxxx | 33582659 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,087.68 exceeds tolerance of $-8,951.00. Insufficient or no cure was provided to the borrower. (9300) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-16): xxxxxx received a valid COC. | 06/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838451 | xxxxxx | 33580584 | xxxxxx | 06/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require the ADU square footage to be smaller than the primary dwelling. Both properties have xxxxxx sq feet. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors |  |  | 06/11/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838401 | xxxxxx | 33605586 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC search not run on sellers' xxxxxx, signers for The xxxxxx |  | Reviewer Comment (2025-06-11): Received updated Fraud Report. Fraud & OFAC searches run on Sellers' xxxxxx, signers for The xxxxxx. Exception cleared. | 06/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838751 | xxxxxx | 33584800 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.79289% or Final Disclosure APR of 9.81100% is equal to or greater than the threshold of APOR 6.74% + 1.5%, or 8.24000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-06-12): Delivery provided | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838751 | xxxxxx | 33584801 | xxxxxx | 06/10/2025 | 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 is not in lender's name and transfer letter not provided. |  | Reviewer Comment (2025-06-09): Client elects to waive |  |  | 06/09/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838751 | xxxxxx | 33584802 | xxxxxx | 06/10/2025 | 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. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-06-12): Delivery provided | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838751 | xxxxxx | 33585009 | xxxxxx | 06/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Other | Please provide Insurance verification and proof of free & clear of REO property xxxxxx. |  | Reviewer Comment (2025-07-03): Per client email, based on documentation provided and reviewed including the county records, insurance, business info, and updated property photos, we can proceed with removing the property from the DTI and clearing condition as it is a business and owned by a business. Requested clearance.<br>Reviewer Comment (2025-07-02): Received search from xxxxxx, where the property address was not able to process. Therefore provide Property History Report from another vendor to verify the property type and information. Exception remains.<br>Reviewer Comment (2025-06-26): As noted in the previous comments, you will need to provide the property profile report to verify property type/information as the county tax certs do not always update their records appropriately.<br>Reviewer Comment (2025-06-19): Received tax certificate reflects business name. Therefore provide property history report to support that the current owner is in name of business. Exception remains.<br>Reviewer Comment (2025-06-16): Received HOI policy is dated xxxxxx , please provide updated HOI policy. Also provide document to verify the property is free and clear. Exception remains. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | 33576778 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-06-12): Received Fraud report. Exception cleared | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | 33576787 | xxxxxx | 06/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Mortgage Statement for property. If taxes & Insurances are not escrowed than verification of T&I will be required. There is an LOE in file that states property was sold, however proof of this was not provided. |  | Reviewer Comment (2025-06-12): Received Tax certificate and Insurance document. Exception cleared. | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | 33576825 | xxxxxx | 06/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-27): CU scores 1.00 provided<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again.<br>Reviewer Comment (2025-06-25): No new documents received. Please try uploading again. | 06/27/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | 33576884 | xxxxxx | 06/10/2025 | 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. (Final xxxxxx) | Evidence of earlier receipt not required. |  | Reviewer Comment (2025-06-27): xxxxxx received initial CD.<br>Reviewer Comment (2025-06-26): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-06-12): xxxxxx received disclosure tracking for the xxxxxx CD. Please provide the xxxxxx CD as it is not located in file. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | 33580723 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-06-12): Received Tax Certificate. Exception cleared. | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | 33608007 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Provide the AUS dated at or prior to closing. AUS in file is post-close. |  | Reviewer Comment (2025-06-12): Received AUS dated prior to closing. Exception cleared. | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | 33576630 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-06-12): Received Fraud Report. Exception cleared. | 06/12/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | 33577326 | xxxxxx | 06/10/2025 | 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. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-06-27): xxxxxx received xxxxxx Initial CD, 3 business days prior to the consummation.<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | 33577332 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final xxxxxx) |  |  | Reviewer Comment (2025-06-09): Client elects to waive |  |  | 06/09/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | 33577358 | xxxxxx | 06/10/2025 | 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. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-06-27): CDAIR received dated xxxxxx . See new condition for minor damage added.<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again.<br>Reviewer Comment (2025-06-25): No new documents received. Please try uploading again. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | 33577366 | xxxxxx | 06/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-27): CU scores 1.1 and 2.5 provided<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again.<br>Reviewer Comment (2025-06-25): No new documents received. Please try uploading again. | 06/27/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | 33795808 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: xxxxxx; <br> Disaster Declaration date: xxxxxx; <br> Most Recent Disaster End date: xxxxxx | CDAIR received reflects minimal siding damage observed. Cause and date of damage unknown and xxxxxx selection seemed most likely with no guarantees or warranties given or implied. Investor to advise if they are accepting. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-06-30): Client elects to waive with verified compensation factors. Per the client, CDAIR reflects minimal damage to siding. The cost to cure of only $500. The minimal and non-material siding repair doesn't affect the safety and livability, or marketability of the property. |  |  | 06/30/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836321 | xxxxxx | 33583064 | xxxxxx | 06/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to allow 1x30x12 for FTHB | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-09): Client elects to waive with verified compensation factors |  |  | 06/09/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 838816 | xxxxxx | 33607680 | xxxxxx | 06/10/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal completed by xxxxxx does not have the PUD box checked. |  | Reviewer Comment (2025-07-09): Received updated appraisal removing PUD. See new condition.<br>Reviewer Comment (2025-07-08): The appraisal completed by xxxxxx does not have the PUD box checked. The appraisal completed by xxxxxx has the PUD box checked as well as the DOT has a PUD rider attached. If the property is not in a PUD, the appraisal for xxxxxx Valuations will need to be updated along with the corrected and executed DOT removing the PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record.<br>Reviewer Comment (2025-07-08): The LOE is not acceptable. The second appraisal in file has PUD checked as well as the loan closed with a PUD rider. The appraisal must be updated.<br>Reviewer Comment (2025-06-20): The same appraisal was provided that was in file at time of review. Please review original condition. The appraisal completed by xxxxxx does not have the PUD box checked | 07/09/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838816 | xxxxxx | 33607754 | xxxxxx | 06/10/2025 | 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 $1,890.00 exceeds tolerance of $695.00. Insufficient or no cure was provided to the borrower. (7506) | COC only states 2nd appraisal fee added, however does not reflect a reasoning as to why or when it became known a second appraisal was required. |  | Reviewer Comment (2025-07-08): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-01): xxxxxx Received Corrected PCCD, LOE, Refund Check. Kindly provide Proof of Mailing. |  | 07/08/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838816 | xxxxxx | 33607782 | xxxxxx | 06/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Other<br> Other | Provide evidence both properties are free and clear. Fraud Report reflects both properties have mortgage liens. 1 of the liens is on credit and closed but states transferred to another lender. Borrower LOE states paid in full, however no evidence of this was provided. |  | Reviewer Comment (2025-07-28): Received Satisfaction of mortgage to verify property is free and clear. Exception cleared.<br>Reviewer Comment (2025-07-18): Received Property history report for xxxxxx which reflects that the mortgage liens have been released. Also received property history for xxxxxx reflects mortgage lien of $1.085 and same reflects on credit report but closed and states transferred to another lender. However, received Land Record details which does not reflect any information for which property the lien was released. Exception remains.<br>Reviewer Comment (2025-06-30): Received Property History Report does not reflect any information of that the mortgage liens have been released. Therefore, provide property history for both properties (xxxxxx, Address: xxxxxx) to verify that mortgage lien has been release. Exception remains.<br>Reviewer Comment (2025-06-23): Received Land Record Details does not contain the information for which property the lien was released. Therefore provide, property history report for both property to verify that mortgage lien has been release. Exception remains. | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838816 | xxxxxx | 33880728 | xxxxxx | 07/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received updated appraisal removing PUD. Provide the corrected and executed DOT removing the PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-07-25): Evidence of delivery provided<br>Reviewer Comment (2025-07-24): Received corrected and executed DOT removing PUD rider, LOE to borrower and LOI. Pending receipt of evidence of delivery to the borrower. | 07/25/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838802 | xxxxxx | 33583663 | xxxxxx | 06/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report. 12-months mortgage payment history is to be documented, as follows: Mortgage statement or Note for the review period to verify monthly payment amount, and proof of borrower's payment for the most recent 6-months is required. VOM and mortgage payoff provided. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-01): Received Note for mortgage lien in amount of xxxxxx. Pending receipt of borrower's payment for the most recent 6-months. Exception remains.<br>Reviewer Comment (2025-06-27): The LOE is not sufficient. The title report reflects the original lien taken out on xxxxxx was xxxxxx. The Note provided is for xxxxxx.In addition, the borrower's 6 months proof of payments was not provided either.<br>Reviewer Comment (2025-06-18): Note for xxxxxx Bank. Provide Note for xxxxxx and proof of borrower's payment for the most recent 6-months is required. Exception remains. |  |  | 07/01/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838802 | xxxxxx | 33583771 | xxxxxx | 06/10/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | xxxxxx is missing from the appraisal report address |  | Reviewer Comment (2025-06-24): Updated appraisal provided | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838802 | xxxxxx | 33583775 | xxxxxx | 06/10/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | xxxxxx is missing from the desk review address |  | Reviewer Comment (2025-06-26): Updated CDA provided | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838802 | xxxxxx | 33589221 | xxxxxx | 06/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx is missing from the title report address |  | Reviewer Comment (2025-06-19): Updated later dated title commitment provided | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838802 | xxxxxx | 33589632 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The file is missing the PUD Rider to the DOT. Provide the executed PUD rider, LOE to the borrower, evidence of delivery to borrower, and Lender's Letter of Intent to re-record. |  | Reviewer Comment (2025-06-19): Per investor comments in system on 6/18, accepting the DOT with verbiage from section 38 of DOT in lieu of separate PUD rider.<br>Reviewer Comment (2025-06-18): Assigned to investor. Investor to advise if they are accepting the section in 38 on the DOT vs. a separate PUD rider. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838802 | xxxxxx | 33605550 | xxxxxx | 06/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | If the subject property was acquired less than or equal to six (6) months, as measured from the property acquisition date (Note date) to the subject transaction Note date, the lesser of the current appraisal value or previous purchase price plus documented improvements (if any) will be used to determine LTV/CLTV. The purchase settlement statement and any invoices for materials/labor will be required. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-25): The memo is not acceptable. The Guarantor nor Borrowing Entity have ownership in xxxxxx per the Entity documents provided. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-23): Another member purchasing plots under a different Entity in which the Borrowing Entity or Guarantor have no ownership in is not sufficient. The property was not transferred to the Borrowing Entity until xxxxxx. Per the appraisal, the construction of property was completed in xxxxxx. Seasoning requirements not met.<br>Reviewer Comment (2025-06-18): The Note does not reflect an address as well as the Note signor is xxxxxx and signing xxxxxx which neither are party to the transaction or evidence our Guarantor is an owner. |  |  | 07/01/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836179 | xxxxxx | 33586492 | xxxxxx | 06/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-06-17): Received Undisclosed Debt Monitoring (UDM) report. Exception cleared. | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836179 | xxxxxx | 33586671 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $773,844.31 is over disclosed by $125.00 compared to the calculated Amount Financed of $773,719.31 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $773,844.31; calculated amount financed is $773,719.31. Variance is $125.00 |  | Reviewer Comment (2025-07-07): Cure docs<br>Reviewer Comment (2025-06-25): xxxxxx received PCCD and LOE. Copy of cure check ($125) and proof of mailing required to complete remediation.<br>Reviewer Comment (2025-06-18): The description and list of services includes $125 AMC fee outlined on the invoice include services. Commentary to 1026.4(c)(7) provides "if a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge." If the AMC provides a breakdown or itemization of which portion of the AMC fee is allocated to verifying or confirming information connected to the appraisal, that portion can be excluded. Alternatively, based on xxxxxx's discussion with outside counsel, if the AMC service is primarily for verifying or confirming information connected to the appraisal, the entire amount can be excluded when an LOA is provided to that effect. |  | 07/07/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836179 | xxxxxx | 33586672 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,587,279.27 is under disclosed by $125.00 compared to the calculated Finance Charge of $1,587,404.27 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,587,279.27; calculated finance charge is $1,587,404.27. Variance is $125.00. |  | Reviewer Comment (2025-07-07): Cure docs<br>Reviewer Comment (2025-06-25): xxxxxx received PCCD and LOE. Copy of cure check ($125) and proof of mailing required to complete remediation.<br>Reviewer Comment (2025-06-18): The description and list of services includes $125 AMC fee outlined on the invoice include services. Commentary to 1026.4(c)(7) provides "if a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge." If the AMC provides a breakdown or itemization of which portion of the AMC fee is allocated to verifying or confirming information connected to the appraisal, that portion can be excluded. Alternatively, based on xxxxxx's discussion with outside counsel, if the AMC service is primarily for verifying or confirming information connected to the appraisal, the entire amount can be excluded when an LOA is provided to that effect. |  | 07/07/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836179 | xxxxxx | 33586677 | xxxxxx | 06/11/2025 | 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. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-18): xxxxxx received xxxxxx Initial CD, 3 business days prior to the consummation. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836179 | xxxxxx | 33617824 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert not provided |  | Reviewer Comment (2025-06-12): Received Occupancy Certificate. Exception cleared. | 06/12/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838498 | xxxxxx | 33591246 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the Master Blanket HOI policy |  | Reviewer Comment (2025-06-18): Received Master Blanket HOI policy. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838498 | xxxxxx | 33591301 | xxxxxx | 06/11/2025 | 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: xxxxxx | Documentation not provided. |  | Reviewer Comment (2025-07-28): Client is accepting xxxxxx statements reflecting only non-borrower to support our borrower is not obligated to lien. Debt paid from a family account. Requested removal for updated DTI below guidelines and clearance.<br>Reviewer Comment (2025-07-22): Received LOX, corrected 1003 and 1008. However please note that the xxxxxx are being made from borrower's account, with xxxxxx with account #xxxxxx. Therefore both debts needs to be included in DTI. Therefore provide document to verify that borrower is not liable for lease agreement of son. Exception remains.<br>Reviewer Comment (2025-06-24): A lease debt cannot be omitted, only installment debts < 10 months.In order to excluded the debt, 12 months payments being made by a third party is required otherwise the debt will need to be included.<br>Reviewer Comment (2025-06-18): Received Lease agreement, provide proof of payment from the son to verify borrower is not making the payments. Exception remains. | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838498 | xxxxxx | 34062187 | xxxxxx | 07/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.69938% exceeds Guideline total debt ratio of 50.00000%. | Cosigner debt for xxxxxx and Rental Lease added to DTI. Investor allowing exclusion of xxxxxx since statement does not reflect in borrower's name and not on credit. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-29): Client is accepting xxxxxx statements reflecting only non-borrower to support our borrower is not obligated to lien. Debt paid from a family account. Requested removal for updated DTI below guidelines and clearance.<br>Reviewer Comment (2025-07-29): .<br>Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors | 07/29/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838498 | xxxxxx | 34062209 | xxxxxx | 07/28/2025 | 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. | Cosigner debt for xxxxxx and Rental Lease added to DTI. Investor allowing exclusion of xxxxxx since statement does not reflect in borrower's name and not on credit. |  | Reviewer Comment (2025-07-28): Client is accepting xxxxxx statements reflecting only non-borrower to support our borrower is not obligated to lien. Debt paid from a family account. Requested removal for updated DTI below guidelines and clearance. | 07/28/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838498 | xxxxxx | 34062210 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 50.69938% and based on 1026.43(c)(5) of 50.70% moderately exceed the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Cosigner debt for xxxxxx and Rental Lease added to DTI. Investor allowing exclusion of xxxxxx since statement does not reflect in borrower's name and not on credit. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-29): Client is accepting xxxxxx statements reflecting only non-borrower to support our borrower is not obligated to lien. Debt paid from a family account. Requested removal for updated DTI below guidelines and clearance.<br>Reviewer Comment (2025-07-29): .<br>Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors | 07/29/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838498 | xxxxxx | 34062212 | xxxxxx | 07/28/2025 | 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. | Cosigner debt for xxxxxx and Rental Lease added to DTI. Investor allowing exclusion of xxxxxx since statement does not reflect in borrower's name and not on credit. |  | Reviewer Comment (2025-07-28): Client is accepting xxxxxx statements reflecting only non-borrower to support our borrower is not obligated to lien. Debt paid from a family account. Requested removal for updated DTI below guidelines and clearance. | 07/28/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838721 | xxxxxx | 33590642 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provide page 6 of Guaranty Agreement (signature page) |  | Reviewer Comment (2025-06-17): Received page 6 (signature page) of the Guaranty Agreement signed by Individuals. Exception cleared. | 06/17/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838721 | xxxxxx | 33615933 | xxxxxx | 06/11/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Provide the corrected appraisal with the correct number of stories. Currently reflects xxxxxx stories but project description is xxxxxx with xxxxxx units. |  | Reviewer Comment (2025-06-19): Received updated appraisal. Exception cleared. | 06/19/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 839626 | xxxxxx | 33605439 | xxxxxx | 06/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance has xxxxxx and Note has xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors |  |  | 06/13/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839626 | xxxxxx | 33618587 | xxxxxx | 06/11/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Per guidelines, in order to exclude debt paid by others, 12 months proof of payments must be provided. 10 months payments provided as debt has not been open for 12 months. Guideline requirements not met. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors |  |  | 06/13/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | 33610804 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 10.40300% compared to the actual APR at consummation of 9.91610% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. |  |  | Reviewer Comment (2025-06-14): Client elects to waive. SOL 1 year expires xxxxxx<br>Reviewer Comment (2025-06-10): 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (10.40300%) changed more than the 0.125%(regular transaction) threshold compared to the actual/calculated APR at consummation (9.91610%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  | 06/14/2025 | 3 C | C | C | C | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | 33610805 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-06-14): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 06/14/2025 | 3 C | C | C | C | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | 33610806 | xxxxxx | 06/11/2025 | 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 $1,709.40 exceeds tolerance of $1,612.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | 06/09/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | 33610837 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,386,966.24 is over disclosed by $110.00 compared to the calculated Amount Financed of $1,386,856.24 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $1,386,966.24; calculated amount financed is $1,386,856.24. Variance is $110.00. |  | Reviewer Comment (2025-06-14): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 06/14/2025 | 3 C | C | C | C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | 33610838 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,983,910.71 is under disclosed by $110.00 compared to the calculated Finance Charge of $2,984,020.71 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $2,983,910.71; calculated finance charge is $2,984,020.71. Variance is $110.00. |  | Reviewer Comment (2025-06-14): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 06/14/2025 | 3 C | C | C | C | xxxxxx | xxxxxx | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | 33615450 | xxxxxx | 06/11/2025 | 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 $820.00 exceeds tolerance of $660.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Fee of $820.00 exceeds $660.00 Note" $160 is for the Appraisal Management Fee (service fee) for the CDA |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | 06/10/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837843 | xxxxxx | 33610440 | xxxxxx | 06/12/2025 | 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. | Coborrower VVOE for both xxxxxx jobs are dated post-close and paystubs > 30 days old. Per guidelines, a VVOE needs to be provided within 10 days prior to close or a paystub dated > 30 days old. |  | Reviewer Comment (2025-06-16): VVOE provided | 06/16/2025 |  |  | 1 B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837843 | xxxxxx | 33610441 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Coborrower VVOE for both xxxxxx jobs are dated post-close and paystubs > 30 days old. Per guidelines, a VVOE needs to be provided within 10 days prior to close or a paystub dated > 30 days old. |  | Reviewer Comment (2025-06-16): VVOE provided | 06/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837843 | xxxxxx | 33610442 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Coborrower VVOE for both xxxxxx jobs are dated post-close and paystubs > 30 days old. Per guidelines, a VVOE needs to be provided within 10 days prior to close or a paystub dated > 30 days old. |  | Reviewer Comment (2025-06-16): VVOE provided | 06/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837843 | xxxxxx | 33610443 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Coborrower VVOE for both xxxxxx jobs are dated post-close and paystubs > 30 days old. Per guidelines, a VVOE needs to be provided within 10 days prior to close or a paystub dated > 30 days old. |  | Reviewer Comment (2025-06-16): VVOE provided | 06/16/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837843 | xxxxxx | 33615469 | xxxxxx | 06/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by xxxxxx. RCE provided is from 2019 and not acceptable. Estimated cost new not on appraisal. |  | Reviewer Comment (2025-07-10): Updated RCE provided<br>Reviewer Comment (2025-06-16): Coverage of the loan amount is not acceptable for xxxxxx per guidelines dated 4.2025. | 07/10/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837843 | xxxxxx | 33628431 | xxxxxx | 06/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx job from xxxxxx with xxxxxx is < 2 years. Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors |  |  | 06/11/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838310 | xxxxxx | 33592296 | xxxxxx | 06/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to use business asset at 100%. Non-Borrowing spouse is other 50% business owner, is on title to the subject property. Joint access LOE in file for the use of those business funds. However, comp factors are incorrect. Reserves are not 10 months or more above the minimum required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors |  |  | 06/13/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 838310 | xxxxxx | 33629522 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2025-06-16): Final stamped SS provided | 06/16/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 837342 | xxxxxx | 33629261 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | xxxxxx was not attached to the DOT. xxxxxx guidelines require loans that close in a Trust to have this rider or if the lender chooses not to utilize the rider or to amend the security instrument, it must agree to indemnify and hold xxxxxx harmless against any losses incurred by xxxxxx that relate to any ambiguity in the application of the covenants in the security instrument should foreclosure proceedings later have to be initiated to acquire the property. Alternatively, xxxxxx may require the lender to repurchase the mortgage or the acquired property. |  | Reviewer Comment (2025-07-11): LOE to borrower and LOE from borrower noting delivery provided<br>Reviewer Comment (2025-06-27): Received email does not satisfied the condition. Provide receipt of LOE to borrower and evidence of delivery to the borrower. Exception remains.<br>Reviewer Comment (2025-06-24): Recorded mortgage provided along with signed rider and statement on rider stating loan is being re-recorded to include the rider. Pending receipt of LOE to borrower and evidence of delivery to the borrower. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835432 | xxxxxx | 33610109 | xxxxxx | 06/12/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-16): Supplement provided | 06/16/2025 |  |  | 1 B A | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835432 | xxxxxx | 33610218 | xxxxxx | 06/12/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | RTC expiration and Final CD disbursement date are the same. If disbursement date is incorrect, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-06-18): Final stamped settlement statement provided with correct disbursement date. Rescission requirements met.<br>Reviewer Comment (2025-06-16): The PC-CD alone does not clear this condition as it is a lender generated document. Please review the original condition. If disbursement date is incorrect, provide the final stamped settlement statement to support. | 06/18/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835432 | xxxxxx | 33610223 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 does not reflect a reason an escrow account was not established. |  | Reviewer Comment (2025-06-24): xxxxxx received Letter of explanation and Corrected Closing disclosure.<br>Reviewer Comment (2025-06-18): xxxxxx Received Letter of Explanation; however, LOE does not specify the changes made related to escrow account section on page 04. Provide Updated LOE.<br>Reviewer Comment (2025-06-17): xxxxxx received Post CD. However,we would require LOX to the borrower in order to cure the exception. |  | 06/24/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835432 | xxxxxx | 33628642 | xxxxxx | 06/12/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Signing Fee | Payee reflects TBD |  | Reviewer Comment (2025-06-11): Client elects to waive |  |  | 06/11/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835432 | xxxxxx | 33628654 | xxxxxx | 06/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE |  | Reviewer Comment (2025-06-16): RCE provided | 06/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839783 | xxxxxx | 33600296 | xxxxxx | 06/12/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2025-06-13): 442 provided | 06/13/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 839783 | xxxxxx | 33600420 | xxxxxx | 06/12/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-13): CDA provided | 06/13/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 839668 | xxxxxx | 33600532 | xxxxxx | 06/12/2025 | Credit | Business Purpose | General | Business Purpose | Insurance Policy Expiration Date is less than 30 days from the Note Date and does not have automatic renewal. |  | The blanket policy expired on xxxxxx and loan closed xxxxxx . Provide the current master policy. The Lender attestation stating the policy will be renewed with sufficient coverage is not acceptable |  | Reviewer Comment (2025-06-16): Updated blanket provided | 06/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 839953 | xxxxxx | 33607662 | xxxxxx | 06/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification |  |  | Reviewer Comment (2025-06-19): Received PITIA document. Exception cleared.<br>Reviewer Comment (2025-06-17): 1003 Final reflects HOA dues in amount of $74.71. Therefore provide HOA Verification. Exception remains. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839953 | xxxxxx | 33641316 | xxxxxx | 06/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Departure Residence: If the borrower is on Title only of the primary residence and mortgage obligation is under a third party, 12-month mortgage rating and 6 month payment proof is required. (Note: Mortgage Note required if omitting liability). 12 month servicer/creditor pay history and 3 month non-borrower pay history provided (Note: Debt is paid from an account the borrower is joint account holder on). Provide an additional 3 months non-borrower pay history and copy of the Note. |  | Reviewer Comment (2025-07-10): Received Note and Bank Statement to verify the housing history. Exception cleared.<br>Reviewer Comment (2025-07-07): Received additional bank statement, however the file is missing bank statement for the account xxxxxx from xxxxxx to xxxxxx . Exception remains.<br>Reviewer Comment (2025-07-02): Received Note and bank statement. However received bank statements are from xxxxxx to xxxxxx , that is for 4 months. Provide additional 2 months bank statement. Exception remains. | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839937 | xxxxxx | 33619642 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-18): Received updated fraud report, Fraud and OFAC search run on the seller. Exception cleared.<br>Reviewer Comment (2025-06-16): Received Fraud and OFAC search run on authorized signor for seller, xxxxxx. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837906 | xxxxxx | 33606295 | xxxxxx | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file: Investment concentration in project is 68% maximum allowed is 60%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors |  |  | 06/12/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 837906 | xxxxxx | 33607020 | xxxxxx | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception request for xxxxxx inspection: There are various units in the project where the guardrails are not up to xxxxxx Code. Gap between pickets is too big. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors. The file includes the xxxxxx inspection confirming the subject unit is not affected. |  |  | 06/12/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 839364 | xxxxxx | 33616700 | xxxxxx | 06/13/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood cert is missing the xxxxxx on the unit number. Per note should be xxxxxx. |  | Reviewer Comment (2025-06-19): Updated flood cert provided | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839364 | xxxxxx | 33640275 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-06-19): Received search from xxxxxx site, and it confirms that HOA Questionnaire not required. Exception cleared. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839364 | xxxxxx | 33640421 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxxxx law mandates "milestone inspections" for xxxxxx that are at least xxxxxx and local conditions justify it) and xxxxxx. Must meet xxxxxx compliance. |  | Reviewer Comment (2025-07-07): Received Milestone Inspection report reflecting there are no imminent danger; xxxxxx needed. Exception cleared.<br>Reviewer Comment (2025-06-19): Received search from xxxxxx site, and it confirms that HOA Questionnaire not required. However, the document requested is for the milestone inspections. Please provide document as requested on the original condition. Exception remains. | 07/07/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839659 | xxxxxx | 33610296 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-17): Commitment approval provided | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 839659 | xxxxxx | 33610317 | xxxxxx | 06/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-20): CDA received | 06/20/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 839659 | xxxxxx | 33610401 | xxxxxx | 06/13/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-06-17): Updated HOI provided | 06/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 839659 | xxxxxx | 33642260 | xxxxxx | 06/13/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 4243.00 | On background report |  | Reviewer Comment (2025-06-20): Document provided reflecting take back in 2003 along with a later dated comprehensive report showing no liens.judgments active.<br>Reviewer Comment (2025-06-17): There is no evidence the document provided is tied to the lien on the background report. Plus the document provided is not clear. Provide a clear copy. | 06/20/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 838150 | xxxxxx | 33611003 | xxxxxx | 06/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-18): FTP provided | 06/18/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838150 | xxxxxx | 33611004 | xxxxxx | 06/13/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-06-18): FTP provided | 06/18/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838150 | xxxxxx | 33641926 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 2.6, xxxxxx CU 1.0. Due to conflicting scores, a secondary valuation is required. |  | Reviewer Comment (2025-06-23): Received AVM. Exception cleared.<br>Reviewer Comment (2025-06-18): Received xxxxxx CU 1.0. However xxxxxx CU 2.6 due to conflicting scores, a secondary valuation is required. Exception remains. | 06/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838150 | xxxxxx | 33641941 | xxxxxx | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. Two liens on title and only 1 paid off through closing. |  | Reviewer Comment (2025-06-18): Clear FTP provided | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836665 | xxxxxx | 33612679 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 reflects property located at xxxxxx. However, the lender it utilizing rental income on these properties. Provide the corrected 1003. |  | Reviewer Comment (2025-06-20): Corrected 1003 provided | 06/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836665 | xxxxxx | 33612686 | xxxxxx | 06/13/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $2,264.61 is less than AUS required disposable income of $2,500.00. | Residual income of $2,500 for primary purchase was not met. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-20): Client elects to waive with verified compensation factors |  |  | 06/20/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836665 | xxxxxx | 33638684 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.1, xxxxxx CU 3.0. Due to conflicting scores, a secondary valuation is required. |  | Reviewer Comment (2025-06-20): CDA provided | 06/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836665 | xxxxxx | 33638783 | xxxxxx | 06/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents, Other | 1) Provide the 1007 for use of rental income on departure residence. 2) Provide evidence property is free and clear. |  | Reviewer Comment (2025-06-26): Received Property History Report to verify property is free and clear for property located at xxxxxx. Exception cleared.<br>Reviewer Comment (2025-06-25): Received document from xxxxxx is for the property located at xxxxxx, also it is not acceptable to verify if the property is free and clear. Therefore, provide property history report for property located at xxxxxx to verify property is free and clear. Exception remains.<br>Reviewer Comment (2025-06-20): Received 1007. Pending receipt of evidence of free and clear. HOI with no mortgagee is not acceptable as these are omitted at times. Provide the property profile report to support free and clear. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837953 | xxxxxx | 33616870 | xxxxxx | 06/16/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-26): Received Final Title reflecting title policy. Exception cleared. | 06/26/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837953 | xxxxxx | 33616873 | xxxxxx | 06/16/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-26): Received Final Title reflecting title policy. Exception cleared. | 06/26/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837953 | xxxxxx | 33616911 | xxxxxx | 06/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx is reflected in address |  | Reviewer Comment (2025-06-20): Received corrected HOI policy. Exception cleared. | 06/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837953 | xxxxxx | 33617496 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  | Reviewer Comment (2025-06-27): PPP provided | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 837953 | xxxxxx | 33617710 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-18): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837953 | xxxxxx | 33654281 | xxxxxx | 06/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx is reflected in address |  | Reviewer Comment (2025-06-26): FTP provided | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837953 | xxxxxx | 33654505 | xxxxxx | 06/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | Business license for the past 2 years must be provided. If nature of business does not<br> require government issued license, borrower's letter is required to explain the details of<br> business nature |  | Reviewer Comment (2025-07-07): Received LOX nature of business does not require government issued license. Exception cleared. | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839479 | xxxxxx | 33618203 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-18): Received Mortgage Participant List Report, Fraud and OFAC search run on the settlement agent. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 839479 | xxxxxx | 33655501 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | PPP penalty period of 6 months is not an acceptable per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-06-19): Client elect to waive with verified compensation factors |  |  | 06/19/2025 | 2 C B | C B | C | B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 838507 | xxxxxx | 33619946 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-23): BP cert provided | 06/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838507 | xxxxxx | 33620014 | xxxxxx | 06/16/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-23): FTP provided | 06/23/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838507 | xxxxxx | 33620016 | xxxxxx | 06/16/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-23): FTP provided | 06/23/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838144 | xxxxxx | 33619640 | xxxxxx | 06/16/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-06-17): Initial 1003 provided | 06/17/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838144 | xxxxxx | 33619864 | xxxxxx | 06/16/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal not in the name of the lender and transfer letter not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838144 | xxxxxx | 33620007 | xxxxxx | 06/16/2025 | 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 not in the name of the lender |  | Reviewer Comment (2025-06-18): Client elects to waive Loan is HPML Compliant |  |  | 06/18/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838144 | xxxxxx | 33654964 | xxxxxx | 06/16/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 55.77353% exceeds Guideline total debt ratio of 50.00000%. | The approval reflects two leases were to be paid off at closing, however debts were not paid through closing. Credit Statement and Supplement reflects full termination, however balance owing for both xxxxxx as $303.12 and $1,354. Full amounts added to DTI as there are no monthly payments on leases owed. |  | Reviewer Comment (2025-07-08): Received checks for evidence of debt payoffs. Both paid through closing supported by final closing statement and updated PC-CD to match.<br>Reviewer Comment (2025-07-03): Received PC-CD and LOE to borrower. Pending receipt of evidence of paid debts outside of closing per comments on xxxxxx <br>Reviewer Comment (2025-06-17): The final settlement statement provided reflects the debts were paid outside of closing by borrower. Provide evidence of payments along with the corrected PC-CD and LOE to borrower to match final settlement statement. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838144 | xxxxxx | 33654974 | xxxxxx | 06/16/2025 | 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. | The approval reflects two leases were to be paid off at closing, however debts were not paid through closing. Credit Statement and Supplement reflects full termination, however balance owing for both xxxxxx as $303.12 and $1,354. Full amounts added to DTI as there are no monthly payments on leases owed. |  | Reviewer Comment (2025-07-08): Received checks for evidence of debt payoffs. Both paid through closing supported by final closing statement and updated PC-CD to match.<br>Reviewer Comment (2025-07-03): Received PC-CD and LOE to borrower. Pending receipt of evidence of paid debts outside of closing per comments on xxxxxx <br>Reviewer Comment (2025-06-17): The final settlement statement provided reflects the debts were paid outside of closing by borrower. Provide evidence of payments along with the corrected PC-CD and LOE to borrower to match final settlement statement. | 07/08/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838144 | xxxxxx | 33654975 | xxxxxx | 06/16/2025 | 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. | The approval reflects two leases were to be paid off at closing, however debts were not paid through closing. Credit Statement and Supplement reflects full termination, however balance owing for both xxxxxx as $303.12 and $1,354. Full amounts added to DTI as there are no monthly payments on leases owed. |  | Reviewer Comment (2025-07-08): Received checks for evidence of debt payoffs. Both paid through closing supported by final closing statement and updated PC-CD to match.<br>Reviewer Comment (2025-07-03): Received PC-CD and LOE to borrower. Pending receipt of evidence of paid debts outside of closing per comments on xxxxxx <br>Reviewer Comment (2025-06-17): The final settlement statement provided reflects the debts were paid outside of closing by borrower. Provide evidence of payments along with the corrected PC-CD and LOE to borrower to match final settlement statement. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838144 | xxxxxx | 33654976 | xxxxxx | 06/16/2025 | 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 55.77353% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | The approval reflects two leases were to be paid off at closing, however debts were not paid through closing. Credit Statement and Supplement reflects full termination, however balance owing for both xxxxxx as $303.12 and $1,354. Full amounts added to DTI as there are no monthly payments on leases owed. |  | Reviewer Comment (2025-07-08): Received checks for evidence of debt payoffs. Both paid through closing supported by final closing statement and updated PC-CD to match.<br>Reviewer Comment (2025-07-03): Comments on 7/3 appear to be for the Seller.<br>Reviewer Comment (2025-07-03): Received PC-CD and LOE to borrower. Pending receipt of evidence of paid debts outside of closing per comments on xxxxxx <br>Reviewer Comment (2025-06-17): The final settlement statement provided reflects the debts were paid outside of closing by borrower. Provide evidence of payments along with the corrected PC-CD and LOE to borrower to match final settlement statement. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838093 | xxxxxx | 33626202 | xxxxxx | 06/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall of $144,308.80.<br>Total loan amount (including both first mortgage and second mortgage/HELOC), provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. |  | Reviewer Comment (2025-06-26): RCE provided<br>Reviewer Comment (2025-06-23): Received Hazard Insurance policy which was already available in file. Provided is less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. Provide Replacement Cost Estimate. Exception remains. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838093 | xxxxxx | 33627123 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 1015.00, Credit Report: Original // Public Record Type: Judgments / Balance: 581.00, Credit Report: Original // Public Record Type: Judgments / Balance: 3471.00, Credit Report: Original // Public Record Type: Judgments / Balance: 390.00, Credit Report: Original // Public Record Type: Judgments / Balance: 2634.42, Credit Report: Original // Public Record Type: Judgments / Balance: 483.00, Credit Report: Original // Public Record Type: Judgments / Balance: 9182.00, Credit Report: Original // Public Record Type: Judgments / Balance: 13791.00, Credit Report: Original // Public Record Type: Tax Liens / Balance: 124.00 | Fraud report contains unpaid judgments. Per guidelines, all open judgments/liens must be paid off prior to or at loan closing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-18): Received dismissal for $560 judgment. All other items remain. The docket for the $13,791 + fees remains ad it was refiled to continue as of xxxxxx and $483+fees judgment found in favor against borrower. The other documents regarding SOL are not acceptable as the guidelines do not reflect an SOL in regards to any judgments and liens and that they must be paid in full and closed. |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838093 | xxxxxx | 33650230 | xxxxxx | 06/16/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor exception for 4 NSF in 12 months with 3 being in the last 3 months. Borrower provided an LOE. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors |  |  | 06/13/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838093 | xxxxxx | 33650266 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the modification documents to verify date completed. Supplement verifies no lates only in the past 12 months. Forbearance, loan modifications, or deferrals completed or reinstated greater than 12-months from the Note date of the subject transaction and having a 0x30x12 Housing History are allowed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-24): Received same credit supplemental report in file that was already provided at the time of review. However the document requested is for modification documents to verify date completed. Exception remains. |  |  | 07/08/2025 | 2 C B | C B | C | B D | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838093 | xxxxxx | 33650308 | xxxxxx | 06/16/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Borrower has no ownership in primary residence per docs in file. |  | Reviewer Comment (2025-06-20): Updated 1003 provided | 06/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839495 | xxxxxx | 33628691 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-19): Received updated Fraud Report. Fraud and OFAC search run on the settlement agent. Exception cleared. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839495 | xxxxxx | 33628719 | xxxxxx | 06/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance shows city as xxxxxx but the Note shows xxxxxx. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-18): The document provided reflects changes became effective on xxxxxx which is post close and not acceptable. |  |  | 06/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839495 | xxxxxx | 33628923 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the borrower's primary residence on xxxxxx is free and clear. Fraud Report and Property profile report reflect a xxxxxx lien taken out in xxxxxx prior to deeding property to a Trust. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-19): Received UW Cert, however, HOI is not acceptable to verify property free and clear. Also, since the mortgage was taken out on $517,100 does not reflect on credit report to verify that the lien was closed. Therefore provide document to verify that the lien has been satisfied. Exception remains. |  |  | 06/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839334 | xxxxxx | 33632583 | xxxxxx | 06/16/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  | Reviewer Comment (2025-06-18): Flood insurance provided | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839334 | xxxxxx | 33655369 | xxxxxx | 06/16/2025 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | 6 months PITIA rent loss is required per guidelines | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-20): Condition cannot be cleared. Investor advised to review to lender guidelines which has this requirement. |  |  | 06/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839334 | xxxxxx | 33655371 | xxxxxx | 06/16/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee + ISAOA is missing |  | Reviewer Comment (2025-07-02): Dec endorsement page provided updating mortgagee + ISAOA<br>Reviewer Comment (2025-06-20): No new documents received today xxxxxx Last upload xxxxxx Please try uploading again.<br>Reviewer Comment (2025-06-18): The same documents were provided that were in file at time of review. The HOI dwelling is missing the mortgage + ISAOA. The Flood Insurance policy and Cert of Liability Insurance were provided. | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839334 | xxxxxx | 33655418 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM and payoff provided for subject property not reporting on credit. Provide the borrower 6 month pay history (lender is a hard money lender which is considered a private lender). |  | Reviewer Comment (2025-07-14): Received borrower 6 month pay history. Exception cleared.<br>Reviewer Comment (2025-06-20): No new documents received today xxxxxx Last upload xxxxxx Please try uploading again.<br>Reviewer Comment (2025-06-18): The same document was provided that was in file at time of review. Please review the original condition. Provide the borrower 6 month pay history (lender is a hard money lender which is considered a private lender). | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837879 | xxxxxx | 33631871 | xxxxxx | 06/16/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-06-22): Per client email memo, they accept the ISAOA to be updated post-close but prior to purchase.<br>Reviewer Comment (2025-06-19): The updated HOI reflects the changes made became effective xxxxxx which is post-close and not acceptable. | 06/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837879 | xxxxxx | 33650984 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. 12 months cancelled checks and lease provided. LOE from landlord in file in regards to January rent only. |  | Reviewer Comment (2025-06-26): Received VOR. Exception cleared. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837879 | xxxxxx | 33653321 | xxxxxx | 06/16/2025 | 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 $75.00 exceeds tolerance of $50.00 plus 10% or $55.00. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided. Loan Amount decrease would not increase recording fees. |  | Reviewer Comment (2025-07-14): xxxxxx received valid COC dated xxxxxx <br>Reviewer Comment (2025-07-08): xxxxxx received rebuttal and Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was increased. Please provide additional information on what additional document needs to be recorded. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-26): xxxxxx received LOE, however title fees are not subject to 10% tolerance and only recording fee is subject to 10% tolerance. A valid COC for increase of recording fee or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-19): xxxxxx received rebuttal stating there was an additional recording needed, but it does not give sufficient information on why recording is needed. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase 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. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 837879 | xxxxxx | 33653645 | xxxxxx | 06/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2. Sec ID: 12 | Note date: xxxxxx; Lien Position: 1 | FSD score not reflected on AVM |  | Reviewer Comment (2025-07-10): Higher tiered product product provided - CDA<br>Reviewer Comment (2025-06-19): Condition cannot be reconsidered or cleared due to securitization requirements. Confidence score is 97% however the FSD score is not reflected and required and can be no more than 0.13. | 07/10/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837918 | xxxxxx | 33641067 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-20): Received GSA search for settlement agent. Exception cleared.<br>Reviewer Comment (2025-06-18): Received updated Fraud Report, fraud and OFAC search run on the seller. However there is SAM.gov alert for settlement agent, xxxxxx. Therefore provide SAM.gov. Exception remains. | 06/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837918 | xxxxxx | 33662037 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Per Bylaws Entity was formed in 2017. |  | Reviewer Comment (2025-06-19): Received Certificate of Standing. Exception cleared. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 839965 | xxxxxx | 33662049 | xxxxxx | 06/17/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-06-19): Endorsement page provided with updated clause effective prior to closing | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838048 | xxxxxx | 33631806 | xxxxxx | 06/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-24): Received Credit Report - Gap. Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838048 | xxxxxx | 33631819 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. Any VOR completed by a private party, or any non-institutional landlord must be<br> supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). |  | Reviewer Comment (2025-06-24): Received VOR and recent 6-month history. Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838048 | xxxxxx | 33632291 | xxxxxx | 06/17/2025 | 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 xxxxxx 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 xxxxxx) | Disclosures were sent to the borrower prior to obtaining consent for electronic disclosures. Lender to provide proof of e-consent within 3 days of the initial application, OR proof of disclosure sent to borrower using another method within 3 days of application. |  | Reviewer Comment (2025-06-19): xxxxxx received disclosure summary. | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838048 | xxxxxx | 33632410 | xxxxxx | 06/17/2025 | 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 $4,142.00 exceeds tolerance of $2,570.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $2,570.00 on the Loan Estimate, but was disclosed as $4,142.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $1572, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-06-19): xxxxxx received COC dated xxxxxx  | 06/19/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838048 | xxxxxx | 33632411 | xxxxxx | 06/17/2025 | 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 $35.00 exceeds tolerance of $31.40. Insufficient or no cure was provided to the borrower. (75106) | Collateral Desktop Analysis Fee was last disclosed as $31.40 on the Loan Estimate, but was disclosed as $35.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $3.60, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-07): xxxxxx Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-01): xxxxxx received PCCD and copy of refund check for $3.20, however cure required for $3.60. Please provide additional cure of $0.40 to cure the exception.<br>Reviewer Comment (2025-06-26): xxxxxx received rebuttal comment. But we are also required additional information with supporting documentation of the reason for the CDA review and what information was received that required the addition of Review fee and when was that information received. 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>Reviewer Comment (2025-06-19): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the CDA fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 07/07/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838048 | xxxxxx | 33632460 | xxxxxx | 06/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA license, P&L Statement | 1) Net income $525,452.42 is incorrect on the provided P&L statement. The P&L Gross Receipts - Costs of Sales - General & Admin expenses total $313,947.91. Provide the corrected signed and dated P&L. 2) Current/active license or certification for the preparer is required. Must be a CPA, EA, CTEC or State Tax Attorney. |  | Reviewer Comment (2025-06-24): Corrected P&L signed and dated by CTEC and CTEC license search provided. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838048 | xxxxxx | 33632493 | xxxxxx | 06/17/2025 | 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. | Due to missing income docs |  | Reviewer Comment (2025-06-24): Corrected P&L signed and dated by CTEC and CTEC license search provided. | 06/24/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838048 | xxxxxx | 33632494 | xxxxxx | 06/17/2025 | 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. | Due to missing income docs |  | Reviewer Comment (2025-06-24): Corrected P&L signed and dated by CTEC and CTEC license search provided. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837520 | xxxxxx | 33638744 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-18): Received Business Purpose Certificate. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837520 | xxxxxx | 33638745 | xxxxxx | 06/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business purpose cert was not provided. |  | Reviewer Comment (2025-06-18): Received Business Purpose Certificate. Exception cleared. | 06/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837520 | xxxxxx | 33638775 | xxxxxx | 06/17/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-18): Received Title Supplemental Report with the loan amount mentioned. Exception cleared. | 06/18/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 839591 | xxxxxx | 33640238 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | Credit report fee was also paid to broker per Final CD. An invoice was not provided verifying fee was for third party. |  | Reviewer Comment (2025-07-08): Invoice provided reflecting credit report fee collected and paid to third party along with corrected PC-CD<br>Reviewer Comment (2025-06-25): The credit report is not acceptable. An invoice is required as this fee is listed on the final CD as paid to the broker along with other compensation. If the fee was collected by the broker for a third party distribution, the invoice for the fee along with a corrected CD reflecting fee is for a third party is required. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836804 | xxxxxx | 33638597 | xxxxxx | 06/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-23): Received UDM dated xxxxxx . Exception cleared. | 06/23/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836804 | xxxxxx | 33640532 | xxxxxx | 06/18/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-06-18): Client elects to waive with verified compensation factors |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | 33637522 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.49107% or Final Disclosure APR of 9.55800% is equal to or greater than the threshold of APOR 6.93% + 1.5%, or 8.43000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-06-25): Appraisal delivery provided | 06/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | 33637524 | xxxxxx | 06/18/2025 | 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. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-06-25): Appraisal delivery provided | 06/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | 33637527 | xxxxxx | 06/18/2025 | 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 $230.46 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | 33637561 | xxxxxx | 06/18/2025 | 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. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-26): xxxxxx received xxxxxx CD 3 business days prior to consummation. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | 33637569 | xxxxxx | 06/18/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-09): Received Supplement report with coverage amount. Exception cleared. | 07/09/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838328 | xxxxxx | 33641528 | xxxxxx | 06/18/2025 | 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 Credit Report Fee. Fee Amount of $190.00 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $75.00 on the initial Loan Estimate to $190.00 on the initial Closing Disclosure. Provided COC in file is not valid due to unacceptable reason. COC does not state why the credit report fee increased. |  | Reviewer Comment (2025-06-24): xxxxxx received LOX for rebuttal response with additional information for a valid Changed circumstance. | 06/24/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638307 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-25): Client elects to waive with verified compensation factors |  |  | 06/25/2025 | 2 D B | D B | N/A | N/A D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638314 | xxxxxx | 06/18/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638419 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.42814% or Final Disclosure APR of 11.68900% is equal to or greater than the threshold of APOR 7.84% + 3.5%, or 11.34000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation |  | Reviewer Comment (2025-06-18): Client elects to waive SOL expiration xxxxxx  |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638420 | xxxxxx | 06/18/2025 | 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. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638422 | xxxxxx | 06/18/2025 | 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 - Processing Fee. Fee Amount of $90.00 exceeds tolerance of $40.00. Sufficient or excess cure was provided to the borrower at Closing. (75195) |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638437 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Good faith redisclosure D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638439 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The Final CD, page 4, does not reflect a reason why an escrow account was not established. |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638441 | xxxxxx | 06/18/2025 | 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. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33638443 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , 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 $5,163.08 may be required. | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33689026 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Senior Lien mortgage statement missing |  | Reviewer Comment (2025-06-23): Senior lien mortgage statement provided | 06/23/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33689311 | xxxxxx | 06/18/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Notary Fee | Payee not reflected |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | 33689740 | xxxxxx | 06/18/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 is missing. Application date taken from Fraud Report. |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838938 | xxxxxx | 33647981 | xxxxxx | 06/18/2025 | 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 $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | The COC does not give sufficient information as to why a second appraisal fee was added. |  | Reviewer Comment (2025-07-03): xxxxxx Received Corrected Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-06-27): xxxxxx received COC dated xxxxxx indicates UCDP score to serve as secondary valuation. However, UCDP report with provided disclosure indicates CU score is less than 2.5. Please provide documentation of the reason for the 2nd appraisal fee added What information was received that required the fee and when was that information received or Cure is required to borrower. |  | 07/03/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838938 | xxxxxx | 33667909 | xxxxxx | 06/18/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA |  | Reviewer Comment (2025-06-25): Updated HOI provided<br>Reviewer Comment (2025-06-20): THe lender's loss payable endorsement is not acceptable. The HOI must be updated with the mortgagee + ISAOA. | 06/25/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838938 | xxxxxx | 33693235 | xxxxxx | 06/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 1.0 and xxxxxx CU score 3.5. Due to the discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-06-20): AVM provided which is acceptable per guidelines | 06/20/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838938 | xxxxxx | 33693362 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Debt was excluded noting on the approval that the business pays for the debts for xxxxxx. Any of the following supporting documentation can be included in the credit file to exclude business debt:<br> • Most recent six (6) months of cancelled checks, ACH payment, or transferred draw against the business account<br> • Tax returns reflecting the business expense deduction<br> • Business bank account statement showing assets remaining after funds to close and reserve requirements are deducted, with a balance greater than or equal to the balance of the debt.<br> Business returns only reflect the xxxxxx as a business expense. Provide evidence of exclusion for the other debt. |  | Reviewer Comment (2025-06-20): 6 months verifying debts paid by business | 06/20/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838629 | xxxxxx | 33654285 | xxxxxx | 06/19/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-24): FTP provided | 06/24/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838629 | xxxxxx | 33696173 | xxxxxx | 06/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. A notice of limitation is reflected on title which is a legal notice that is recorded in the public records. It serves as a warning to potential buyers, lenders, and others that there may be a claim or agreement concerning the property that should be addressed before proceeding with any transaction. |  | Reviewer Comment (2025-06-26): Client email approval provided that they are accepting the FTP with the notice of limitation. Requested clearance.<br>Reviewer Comment (2025-06-25): Assigned to investor. Please advise if you are accepting the Notice of Limitation on the FTP.<br>Reviewer Comment (2025-06-24): FTP was provided which still reflects the notice of limitation on page 4 of 5 of the FTP. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838828 | xxxxxx | 33656301 | xxxxxx | 06/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-06-23): Received Fraud Report. Exception cleared. | 06/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838828 | xxxxxx | 33696300 | xxxxxx | 06/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of taxes are paid or clear title policy. Due taxes that are not delinquent were not paid through closing. |  | Reviewer Comment (2025-06-23): Tax cert provided reflecting taxes paid | 06/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837824 | xxxxxx | 33656319 | xxxxxx | 06/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-06-25): Received Certificate of Good Standing. Exception cleared. | 06/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 837824 | xxxxxx | 33696517 | xxxxxx | 06/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxxxx has no owership in primary residence. First time investor's must own a primary residence. There is no evidence of experience in file for properties owned > 1 year within the past 36 months outside of a borrower LOE stating he has owned and sold multiple properties. xxxxxx owns a primary residence and meet first time investor requirements. |  | Reviewer Comment (2025-06-30): Prior deed provided and evidence of ownership in LLC as well. Experienced borrower.<br>Reviewer Comment (2025-06-24): The deed is dated xxxxxx from xxxxxx to the LLC for the property on xxxxxx and does not prove how long the borrower had owned the property before transferring to the LLC in xxxxxx . Further, there is no proof the borrower owns the LLC either. | 06/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 839831 | xxxxxx | 33656859 | xxxxxx | 06/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-06-24): Received Employer Identification Number. Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 839831 | xxxxxx | 33656872 | xxxxxx | 06/19/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee clause reflects ISA vs ISAOA |  | Reviewer Comment (2025-06-26): Updated HOI provided | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 839831 | xxxxxx | 33696784 | xxxxxx | 06/19/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report not provided for xxxxxx. |  | Reviewer Comment (2025-06-24): Received credit report for xxxxxx.Exception cleared. | 06/24/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 839831 | xxxxxx | 33696835 | xxxxxx | 06/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-24): Received Approval. Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 839831 | xxxxxx | 33696874 | xxxxxx | 06/19/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | xxxxxx's 1003, primary residence reflects xxxxxx. |  | Reviewer Comment (2025-06-24): Received corrected 1003. Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 839610 | xxxxxx | 33656971 | xxxxxx | 06/19/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-06-20): E-Consent provided | 06/20/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839610 | xxxxxx | 33696435 | xxxxxx | 06/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-03): The GA agreement was executed post-close. Per guidelines, the GA must be executed at closing. Investor can elect to waive with verified compensation factors. |  |  | 07/08/2025 | 2 D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837096 | xxxxxx | 33665497 | xxxxxx | 06/19/2025 | 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 $1,500.00 exceeds tolerance of $1,359.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-06-16): Sufficient Cure Provided At Closing |  | 06/16/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33675054 | xxxxxx | 06/20/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-06-19): Client elects to waive |  |  | 06/19/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33676242 | xxxxxx | 06/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx | Per guidelines, Schedule E required to calculate rental income. Appraisal reflects Tenant Occupied and 1007 was only provided. |  | Reviewer Comment (2025-07-21): Received corrected 1003 and 1008 hence removed rental income. Exception cleared.<br>Reviewer Comment (2025-07-10): Per client request, program change to xxxxxx. Lease agreement not required, however full doc loans require rental income to be calculated off the most recent Schedule E from the signed and dated tax returns.<br>Reviewer Comment (2025-07-10): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: 1040 (2024), Lease Agreement | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33709788 | xxxxxx | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the investor's Agency Confirming AUS only program, Standard Doc: Ineligible, Caution, or Refer with Caution not allowed |  | Reviewer Comment (2025-07-10): Program change to xxxxxx per investor request. Condition no longer applies. | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33709969 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | The BP Cert in file for use of proceeds reflects debt consolidation. Consumer purpose investment. |  | Reviewer Comment (2025-07-14): Per client email, they are accepting the updated BP cert noting proceeds are for improvements to rental property vs debt consolidation and requested re-review as business purpose loan. No TRID/ATR on business purpose as well as PPP is allowed.<br>Reviewer Comment (2025-07-10): Switching programs does not address this condition. Proceeds cannot be utilized for consumer purpose on a business purpose loan. Full ATR/TRID is required.<br>Reviewer Comment (2025-07-08): Assigned to investor. Investor to advise if they are accepting the updated BP cert. It appears this is the same signed BP cert with the reasoning changed/typed in with no indication borrower updated this. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33709970 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Closing Disclosures in the Loan File | 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 not subject to high cost testing. | The BP Cert in file for use of proceeds reflects debt consolidation. Consumer purpose investment. |  | Reviewer Comment (2025-07-14): Per client email, they are accepting the updated BP cert noting proceeds are for improvements to rental property vs debt consolidation and requested re-review as business purpose loan. No TRID/ATR on business purpose as well as PPP is allowed.<br>Reviewer Comment (2025-07-10): Switching programs does not address this condition. Proceeds cannot be utilized for consumer purpose on a business purpose loan. Full ATR/TRID is required.<br>Reviewer Comment (2025-07-08): Assigned to investor. Investor to advise if they are accepting the updated BP cert. It appears this is the same signed BP cert with the reasoning changed/typed in with no indication borrower updated this. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | No Defined Cure B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33709971 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , 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 $0.00 may be required. | The BP Cert in file for use of proceeds reflects debt consolidation. Consumer purpose investment. |  | Reviewer Comment (2025-07-14): Per client email, they are accepting the updated BP cert noting proceeds are for improvements to rental property vs debt consolidation and requested re-review as business purpose loan. No TRID/ATR on business purpose as well as PPP is allowed.<br>Reviewer Comment (2025-07-10): Switching programs does not address this condition. Proceeds cannot be utilized for consumer purpose on a business purpose loan. Full ATR/TRID is required.<br>Reviewer Comment (2025-07-08): Assigned to investor. Investor to advise if they are accepting the updated BP cert. It appears this is the same signed BP cert with the reasoning changed/typed in with no indication borrower updated this. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | No Defined Cure B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33893764 | xxxxxx | 07/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | The VVOE provided is dated > 10 days prior to the Note date and the paystub is dated > 30 days prior to the Note date. |  | Reviewer Comment (2025-07-11): VVOE provided dated within 10 days prior to closing | 07/11/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | 33893778 | xxxxxx | 07/10/2025 | 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. | Due to missing income documents |  | Reviewer Comment (2025-07-11): VVOE provided dated within 10 days prior to closing | 07/11/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33676960 | xxxxxx | 06/20/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2025-06-26): Received 442 completion report. Exception cleared. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33677014 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial xxxxxx) | The file contains an incomplete Closing Disclosure with a Closing Date of xxxxxx and no Date Issued. The file does not contain documentation to verify the Closing Disclosure was not provided to the borrower. |  | Reviewer Comment (2025-07-03): xxxxxx Received LOE for incomplete CD not provided to borrower.<br>Reviewer Comment (2025-06-30): Please provide documentation for the CD with no issue date and cash to close of $156,521.16. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure D B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33677015 | xxxxxx | 06/20/2025 | 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 xxxxxx 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 xxxxxx) |  |  | Reviewer Comment (2025-07-16): xxxxxx received disclosures details for the initial disclosures were sent via by fulfillment and received by borrower on xxxxxx .<br>Reviewer Comment (2025-07-10): xxxxxx Received LOE; however, provide disclosure tracking in order to verify when initial LE was mailed to borrower. Provide supporting evidence when LE was mailed.<br>Reviewer Comment (2025-06-30): The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33677019 | xxxxxx | 06/20/2025 | 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. (Initial xxxxxx) | The file is missing evidence of initial Closing Disclosure. |  | Reviewer Comment (2025-07-03): xxxxxx Received LOE for incomplete CD not provided to borrower.<br>Reviewer Comment (2025-06-30): Documents ID 290 is incomplete. If the CD is not provided to the borrower, please provide Letter of Attestation indicating the document ID 290 was never provided to the borrower and xxxxxx will review for re-testing. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33677035 | xxxxxx | 06/20/2025 | 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 $3,469.20 exceeds tolerance of $3,244.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-03): xxxxxx Received revised CD dated xxxxxx along with valid COC.<br>Reviewer Comment (2025-06-30): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was increased as loan locked on xxxxxx In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33677036 | xxxxxx | 06/20/2025 | 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 $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-03): xxxxxx Received valid COC dated xxxxxx <br>Reviewer Comment (2025-06-30): xxxxxx no COC document received for addition of appraisal re-inspection fee on LE dated xxxxxx . A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33678593 | xxxxxx | 06/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Debt Monitoring. An Undisclosed Debt Monitoring (UDM) report is required and dated no more than 10 days prior to closing date. Fraud Report with UDM is dated xxxxxx which is > 10 days prior to closing. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-17): Requested documented was not provided. Provide Undisclosed Debt Monitoring (UDM) report is required and dated no more than 10 days prior to closing date. Fraud Report with UDM is dated xxxxxx which is > 10 days prior to closing. Exception remains.<br>Reviewer Comment (2025-07-14): Fraud Report with UDM is dated xxxxxx which is > 10 days prior to closing. Provide An Undisclosed Debt Monitoring (UDM) report is required and dated no more than 10 days prior to closing date. Exception remains.<br>Reviewer Comment (2025-07-11): Requested document was not provided. Provide UDM report dated no more than 10 days prior to closing date. Exception remains. |  |  | 07/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33710062 | xxxxxx | 06/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR completed by a Private Party must have most recent 6 months proof of payments (e.g. cancelled checks, ACH payments, bank transfers/wires). xxxxxx is not a property management company. |  | Reviewer Comment (2025-07-17): Received corrected VOR. Exception cleared. | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | 33710153 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per guidelines for the P&L program, the CPA/Licensed Tax Preparer must attest that they have audited the business financial statements or reviewed working papers provided by the borrower. The preparer only states they reviewed the business tax returns. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors |  |  | 06/27/2025 | 2 C B | C B | C | B D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836570 | xxxxxx | 33706774 | xxxxxx | 06/20/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Borrower has < 3 credit scores therefore requires 2 open and active tradelines reporting for 24 months or 3 open and active tradeline reporting for 12 months. Borrower has 2 tradelines; 1 open and active for 18 months on the other open and active for 25 months. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-19): Client elects to waive with verified compensation factors |  |  | 06/19/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836570 | xxxxxx | 33706946 | xxxxxx | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Schedule B, Part 1, # 9: Release or satisfaction of Claim of Lien in favor of xxxxxx is required. |  | Reviewer Comment (2025-06-23): Updated title commitment version 3 provided removing lien. | 06/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835398 | xxxxxx | 33670938 | xxxxxx | 06/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.89 is less than Guideline PITIA months reserves of 2.00. | Invoices for paid POCB fees not provided (HOI $1,352). |  | Reviewer Comment (2025-06-24): Paid invoice provided for HOI | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 835398 | xxxxxx | 33674426 | xxxxxx | 06/20/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the corrected 1003. Borrower is a xxxxxx citizen vs. Non-Perm Resident per xxxxxx passport in file. |  | Reviewer Comment (2025-06-24): Received corrected 1003. Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 833594 | xxxxxx | 33676635 | xxxxxx | 06/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-24): Received Credit Comparison Report dated xxxxxx . Exception cleared. | 06/24/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833594 | xxxxxx | 33676636 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-03): The GA provided was executed post-close. Per guidelines, must be executed at closing. Investor can elect to waive with verified compensation factors. |  |  | 07/03/2025 | 2 D B | D B | N/A | N/A D B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833594 | xxxxxx | 33676674 | xxxxxx | 06/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Please provide evidence of the new HELOC payment for the property on xxxxxx. |  | Reviewer Comment (2025-06-26): Received First Payment Letter and Note to verify the mortgage payment. Exception cleared.<br>Reviewer Comment (2025-06-24): Received HUD-1, Approval and Lender Loan Information section of 1003. However the document does not list the mortgage payment. Therefore provide HELOC agreement and First payment letter to verify the mortgage payment. Exception remains. | 06/26/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680778 | xxxxxx | 06/23/2025 | 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. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-06-27): Client elects to waive Loan is HPML Compliant |  |  | 06/27/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680794 | xxxxxx | 06/23/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | An LOE was provided for the gift letter which is not acceptable. Provide the fully completed gift letter with all pertinant information and signed by borrower and donor. Further, the amounts listed on the LOE are not correct. Wires in file total $48,500 ($20,000, $21,500 and $7,000). The LOE's reflect a total of $105,000 ($30,000, $50,000 & $25,000). |  | Reviewer Comment (2025-06-26): Updated letters provided and guidelines allow LOE as long as it contains all information listed. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680894 | xxxxxx | 06/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.93 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves. |  | Reviewer Comment (2025-06-27): Additional assets and evidence of ownership from the bank provided. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680914 | xxxxxx | 06/23/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-06-27): Additional assets and evidence of ownership from the bank provided | 06/27/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680915 | xxxxxx | 06/23/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-06-27): Additional assets and evidence of ownership from the bank provided | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838777 | xxxxxx | 33717933 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx signing on behalf of xxxxxx not provided. |  | Reviewer Comment (2025-06-26): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838777 | xxxxxx | 33718101 | xxxxxx | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title policy and supplement reflect city as xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-26): The attached is not sufficient. All addresses must match. |  |  | 07/09/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | 33686361 | xxxxxx | 06/23/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-06-26): Received Hazard Insurance. Exception cleared.<br>Reviewer Comment (2025-06-24): The policy provided does not reflect a premium amount. | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | 33695280 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.61720% or Final Disclosure APR of 9.61000% is equal to or greater than the threshold of APOR 6.80% + 1.5%, or 8.30000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-06-25): Delivery provided<br>Reviewer Comment (2025-06-24): The document is not executed. The document states acknowledgment is based on below signing. Provide the signed disclosure or other means of how the appraisal was delivered. | 06/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | 33695281 | xxxxxx | 06/23/2025 | 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. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-06-25): Delivery provided<br>Reviewer Comment (2025-06-24): The signatures on the LOE do not match the borrower's signatures in file.<br>Reviewer Comment (2025-06-24): The document is not executed. The document states acknowledgment is based on below signing. Provide the signed disclosure or other means of how the appraisal was delivered. | 06/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | 33695282 | xxxxxx | 06/23/2025 | 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 $1,691.50 exceeds tolerance of $1,536.00 plus 10% or $1,689.60. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-06-18): Sufficient Cure Provided At Closing |  | 06/18/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | 33716371 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Loan is currently vested in a trust prior to transfer. Provided the Trust Agreement. |  | Reviewer Comment (2025-07-28): Recission provided for Trustee / Settlor of Trust deeded off after closing. LOE and executed RTC forms provided with a new 3 day rescission period. Borrower's had no ownership interest in the Trust.<br>Reviewer Comment (2025-07-23): Yes, a rescission period can still be offered to the affected parties (owners of the Trust / Trustee. The lender will need to deliver the RTC forms giving a new 3 day rescission period to the affected parties (owner of the trust / trustee) and provide a detailed LOE to affected parties. Please note, recission starts the day the parties receive the new RTC form. Evidence of delivery and receipt will be required.<br>Reviewer Comment (2025-07-23): Received LOE from title and updated title policy. The court agreement was between xxxxxx. If xxxxxx signed away his interest to the Trust in which he has no ownership in per Seller's comments and title LOE, then the owner of the Trust should have been granted a rescission period as they were not deeded off until after closing.<br>Reviewer Comment (2025-07-15): This is a refinance of a primary residence. The borrowers are xxxxxx. The Trust Cert provided reflects xxxxxx as the trustee and settlor of the Trust. The LOE from the borrower states as part of a court order she is paying xxxxxx $80K as part of a property settlement. I am not seeing any ties to xxxxxx for this Trust. On refinances, if parties are not vested off prior to or at closing, rescission needs to be offered to that party. As part of a court order, this can be taken into consideration as an exception to the rule but we need to know that xxxxxx is the beneficiary of the Trust or need something tying him to that Trust.<br>Reviewer Comment (2025-07-15): Received Trust agreement, however, Quit-Claim Deed is dated post closing. Please provide deed dated prior to closing. Exception remains.<br>Reviewer Comment (2025-07-10): Received updated Title and Quit-claim deed. Quit-claim deed is dated post closing. Provide Trust Agreement for The xxxxxx Dated xxxxxx, since the property is transferred from trust to individual. Exception remains.<br>Reviewer Comment (2025-06-24): The QC deed provided was the same document in file at time of review. The loan was vested in a trust prior to transfer and the deed is dated post-close on a refinance transaction. The trust is required to determine ownership A court order was for ex-spouse xxxxxx to be paid off and property deeded/awarded to our borrower but ex-spouse, per title, deeded property out of his name on xxxxxx into a Trust. | 07/28/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | 33716380 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Per the borrower's LOE, plans to use part of proceeds to pay off ex-husband via a court order. Also, order noted on item #13 of title. Provide the divorce decree and court order. |  | Reviewer Comment (2025-06-24): Divorce decree provided | 06/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | 33685999 | xxxxxx | 06/24/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $325,490.75 is less than Cash From Borrower $325,973.49. | Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final CD. |  | Reviewer Comment (2025-06-30): Appraisal invoice and HOA due paid invoices provided to cover short to close. Final Closing statement reflects a reduction in cash to close. One additional deposit refunded at closing.<br>Reviewer Comment (2025-06-30): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Documented qualifying Assets for Closing of $324,685.75 is less than Cash From Borrower $325,973.49.<br>Reviewer Comment (2025-06-27): The Final Closing Statement reflect two EMD for $1,000. However, only 1 EMD was verified which was the gift from xxxxxx. Where did the other $1,000 come from? Per Final Closing Statement $1,000 EMD + $1,000 EMD + $48,685.75 additional deposit, + $275,000 Gift of Equity + $545 POCB appraisal - $257.26 Cash back at closing =$325,973.49 Total funds to close.<br>Reviewer Comment (2025-06-26): The final settlement statement is not stamped certified. Also, the closing statement supports a reduction in cash to close, however reflects the borrower needed $326,794.49 to close which is still short. Reserves verified are $324,685.75. Short $2,108.74. It is not just the bottom dollar that is taken. The borrower had EMD, additional deposits, a gift of equity and POCB fees which are all included in the cash to close. | 06/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | 33723932 | xxxxxx | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is a For Sale By Owner. Per guidelines, For-Sale-By-Owner (FSBO) transactions must be arms-length. Transaction is Non-Arms length between family members. |  | Reviewer Comment (2025-07-07): A corrected full appraisal was provided.<br>Reviewer Comment (2025-06-26): Please have the appraisal updated as the appraiser on page 1 states he only viewed escrow instructions for the purchase transaction and the property is a for sale by owner transaction. | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | 33724032 | xxxxxx | 06/24/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | HO6: Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  | Reviewer Comment (2025-06-27): Final stamped settlement statement provided with disbursement date of xxxxxx<br>Reviewer Comment (2025-06-26): The settlement statement is not stamped certified. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | 33805942 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $687,785.83 is over disclosed by $145.00 compared to the calculated Amount Financed of $687,640.83 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | POCB provided which reflects an appraisal management fee post review. |  | Reviewer Comment (2025-07-11): xxxxxx received LOA<br>Reviewer Comment (2025-07-07): Appraisal management company fee is excludable from finance charges if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if AMC is for services that are not excludable under 4c7, it would be considered a finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such. Attestation can be a general attestation for lender and AMC used which can then be included in file and deal docs for use on future files with same lender and AMC | 07/11/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | 33805943 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,599,236.34 is under disclosed by $145.00 compared to the calculated Finance Charge of $1,599,381.34 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | POCB provided which reflects an appraisal management fee post review. |  | Reviewer Comment (2025-07-11): xxxxxx received LOA | 07/11/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838509 | xxxxxx | 33698392 | xxxxxx | 06/24/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  | Reviewer Comment (2025-06-22): Client elects to waive |  |  | 06/22/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838509 | xxxxxx | 33698393 | xxxxxx | 06/24/2025 | 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 provided VVOE in file is dated post-close. Per the guidelines, a verbal VOE should be dated no more than 10 calendar days prior to Note date or a paystub provided within 30 days prior to closing. |  | Reviewer Comment (2025-06-30): VVOE dated within 10 days prior to closing provided<br>Reviewer Comment (2025-06-26): The same VVOE was provided that was in file at time of review. Please review the original condition. The provided VVOE in file is dated post-close. Per the guidelines, a verbal VOE should be dated no more than 10 calendar days prior to Note date or a paystub provided within 30 days prior to closing. | 06/30/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838509 | xxxxxx | 33698394 | xxxxxx | 06/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | The provided VVOE in file is dated post-close. Per the guidelines, a verbal VOE should be dated no more than 10 calendar days prior to Note date or a paystub provided within 30 days prior to closing. |  | Reviewer Comment (2025-06-30): VVOE dated within 10 days prior to closing provided<br>Reviewer Comment (2025-06-26): The same VVOE was provided that was in file at time of review. Please review the original condition. The provided VVOE in file is dated post-close. Per the guidelines, a verbal VOE should be dated no more than 10 calendar days prior to Note date or a paystub provided within 30 days prior to closing. | 06/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838509 | xxxxxx | 33698395 | xxxxxx | 06/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The provided VVOE in file is dated post-close. Per the guidelines, a verbal VOE should be dated no more than 10 calendar days prior to Note date or a paystub provided within 30 days prior to closing. |  | Reviewer Comment (2025-06-30): VVOE dated within 10 days prior to closing provided<br>Reviewer Comment (2025-06-26): The same VVOE was provided that was in file at time of review. Please review the original condition. The provided VVOE in file is dated post-close. Per the guidelines, a verbal VOE should be dated no more than 10 calendar days prior to Note date or a paystub provided within 30 days prior to closing. | 06/30/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838509 | xxxxxx | 33699276 | xxxxxx | 06/24/2025 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date xxxxxx , Note Date xxxxxx | Flood Insurance Policy Effective Date xxxxxx vs Note Date xxxxxx . The Flood Insurance policy effective date is after the note date. |  | Reviewer Comment (2025-07-08): Updated flood insurance provided effective at closing | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839451 | xxxxxx | 33723687 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Occupancy Certificate does not have the Refinance Only box checked. |  | Reviewer Comment (2025-06-27): Updated cert provided | 06/27/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839451 | xxxxxx | 33723807 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-23): Client elects to waive |  |  | 06/23/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836869 | xxxxxx | 33696932 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-26): Final 1003 provided | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836869 | xxxxxx | 33698397 | xxxxxx | 06/24/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence the property is free and clear. |  | Reviewer Comment (2025-06-30): Received Property History Report to verify no new transaction was done after the purchase of the property, received HUD-1 and bank statement to verify property was purchased on cash. Exception cleared.<br>Reviewer Comment (2025-06-26): No new document was received. Please provide Property History Report to verify if no mortgage was taken after the purchase of the property. Exception remains.<br>Reviewer Comment (2025-06-26): Received HUD-1 for REO property, however, please provide Property History Report to verify if no mortgage was taken after the purchase of the property. Exception remains. | 06/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836869 | xxxxxx | 33704771 | xxxxxx | 06/24/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. The agent is verifying the replacement cost up to xxxxxx (which is known from the dwelling coverage) is not acceptable. |  | Reviewer Comment (2025-06-27): Per client email, xxxxxx Wholesale has a subscription for a Replacement Cost Estimator tool to meet criteria and validate minimum dwelling coverage is met. Seems this is crossing over to xxxxxx if there is a miss, which is fine. The updated language in the Property Insurance section most definitely allows a Replacement Cost Estimator to be generated and used by xxxxxx when the need arises. RCE provided.<br>Reviewer Comment (2025-06-26): The RCE provided reflects it was prepared by someone at the investor. This must come from the agent. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836869 | xxxxxx | 33720600 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide business purpose certificate. |  | Reviewer Comment (2025-07-11): BP cert provided | 07/11/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836869 | xxxxxx | 33720601 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Document in file is not executed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-10): The GA provided is executed post-close. Per guidelines, must be executed at closing. |  |  | 07/11/2025 | 2 D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834440 | xxxxxx | 33710313 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-07-03): Articles provided<br>Reviewer Comment (2025-07-01): As previously noted on 6/27, the Operating Agreement is not the filed Articles of Organization/Formation. Per section 2.3.7.2.2 Entity Document requirements, bullet point one "Entity articles of organization or partnership (or equivalent) required in addition to Entity documents that included a list of members/manages and ownership %. There is a concurrent loan for this same LLC that had the Articles provided. Upload to this file for clearance.<br>Reviewer Comment (2025-06-27): The document on 1560-1574 is not the Articles of Org but the Company Agreement which is an Operating Agreement. Filed Articles of Org/Formation are required per guidelines. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 834440 | xxxxxx | 33710318 | xxxxxx | 06/24/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects a different lender |  | Reviewer Comment (2025-07-01): Updated HOI provided | 07/01/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 834440 | xxxxxx | 33718446 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document in file is not for the Borrowing Entity. |  | Reviewer Comment (2025-07-02): Received Franchise Tax Account Status to verify business is in good standing. Exception cleared.<br>Reviewer Comment (2025-06-27): The document does not have a pull date. Must be within 120 days of closing. | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838119 | xxxxxx | 33714233 | xxxxxx | 06/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for borrower's primary residence does not appear on credit report. The Cert of Title reflects a lien was perfected on xxxxxx and coupon in file with xxxxxx for xxxxxx principal balance . Provide proof of borrower's payment for the most recent 12 months. |  | Reviewer Comment (2025-07-01): Received proof of borrower's payment for the most recent 12 months. Exception cleared. | 07/01/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 838119 | xxxxxx | 33718664 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate Settlement Statement only in file. |  | Reviewer Comment (2025-06-26): Final stamped settlement statement provided<br>Reviewer Comment (2025-06-25): The same document was provided that was in file at time of review. Document is an estimate. | 06/26/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 838119 | xxxxxx | 33718666 | xxxxxx | 06/24/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Final 1003 reflects xxxxxx as the borrower's primary residence on page 1, however REO section reflects investment and lot xxxxxx. |  | Reviewer Comment (2025-07-01): Updated 1003 provided | 07/01/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 840042 | xxxxxx | 33724525 | xxxxxx | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title reflects second half of taxes were due xxxxxx and are now delinquent. Taxes were not paid through closing. |  | Reviewer Comment (2025-06-29): Tax cert provided reflecting taxes paid | 06/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840042 | xxxxxx | 33724535 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Master blanket policy with building coverage not provided. Policy in file is Cert of Liability only. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-16): The UW cert is not acceptable. The guidelines require the actual building dwelling amount to be provided to ensure adequate coverage. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-08): The document provided reflects it is for the premises located at xxxxxx which is not the subject property as well as the policy still does not reflect building coverage. This is the dec page to the Cert of Liability.<br>Reviewer Comment (2025-07-02): Received same master blanket policy which was already in file. Exception remains. |  |  | 07/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838301 | xxxxxx | 33706677 | xxxxxx | 06/25/2025 | 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 (2025-06-24): Client elects to waive |  |  | 06/24/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838301 | xxxxxx | 33706703 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx 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 xxxxxx). The disclosed Total of Payments in the amount of $2,277,607.83 is under disclosed by $100.00 compared to the calculated total of payments of $2,277,707.83 which exceeds the $35.00 threshold. (Final xxxxxx) | The disclosed Total of Payments in the amount of $2,277,607.83 is under disclosed by $100.00 compared to the calculated total of payments of $2,277,707.83. |  | Reviewer Comment (2025-07-09): xxxxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-07-07): xxxxxx received LOE, copy of refund check, PCCD, and proof of delivery for refund. Missing re-opened rescission for all consumers with proof of delivery. Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature/delivery date.<br>Reviewer Comment (2025-06-30): Package has not been received by courier. Follow up date set for 7/1. |  | 07/09/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838301 | xxxxxx | 33733307 | xxxxxx | 06/25/2025 | 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 $450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | COC just states fee was added due to UW request. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-06-27): xxxxxx received detailed COC dated xxxxxx . | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838481 | xxxxxx | 33707585 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,050,642.02 is over disclosed by $771.64 compared to the calculated Amount Financed of $1,049,870.38 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $1,050,642.02 is over disclosed by $771.64 compared to the calculated Amount Financed of $1,049,870.38 |  | Reviewer Comment (2025-07-09): xxxxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-06-27): xxxxxx received copy of cure check, which is satisfactory. However, cure still requires PCCD, LOE, reopening of RTC and proof of delivery. Further, This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure; and the RTC must allow the borrower three days to cancel the transaction from date of delivery. |  | 07/09/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | 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 | Mortgagor Focused |
| xxxxxx | 838481 | xxxxxx | 33707586 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,772,338.05 is under disclosed by $61.90 compared to the calculated Finance Charge of $1,772,399.95 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $1,772,338.05 is under disclosed by $61.90 compared to the calculated Finance Charge of $1,772,399.95 |  | Reviewer Comment (2025-07-09): xxxxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-06-27): xxxxxx received copy of cure check, which is satisfactory. However, cure still requires PCCD, LOE, reopening of RTC and proof of delivery. Further, This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure; and the RTC must allow the borrower three days to cancel the transaction from date of delivery. |  | 07/09/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838481 | xxxxxx | 33707587 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx 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 xxxxxx). The disclosed Total of Payments in the amount of $2,856,513.05 is under disclosed by $95.40 compared to the calculated total of payments of $2,856,608.45 which exceeds the $35.00 threshold. (Final xxxxxx) | The disclosed Total of Payments in the amount of $2,856,513.05 is under disclosed by $95.40 compared to the calculated total of payments of $2,856,608.45 |  | Reviewer Comment (2025-07-10): xxxxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-06-27): xxxxxx received copy of cure check, which is satisfactory. However, cure still requires PCCD, LOE, reopening of RTC and proof of delivery. Further, This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure; and the RTC must allow the borrower three days to cancel the transaction from date of delivery. |  | 07/10/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837571 | xxxxxx | 33709752 | xxxxxx | 06/25/2025 | 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. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-27): xxxxxx received xxxxxx CD, received 3 business days prior to consummation. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837571 | xxxxxx | 33726081 | xxxxxx | 06/25/2025 | 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 $700.00 exceeds tolerance of $610.00. Insufficient or no cure was provided to the borrower. (7506) | Valid COC nor cure provided. The COC just states that the fee increased without a reasoning. |  | Reviewer Comment (2025-07-09): xxxxxx received a valid COC. | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838848 | xxxxxx | 33709470 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-07-11): Senior lien Note provided | 07/11/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838848 | xxxxxx | 33709525 | xxxxxx | 06/25/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-07-02): Received LOX to verify no insurance on the property. Exception cleared.<br>Reviewer Comment (2025-06-26): In the event a property is not free and clear does not mean the borrower does not hold insurance. Provide the LOE from the borrower that they have no insurance on the property or provide the HOI. | 07/02/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838848 | xxxxxx | 33732290 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to waive |  |  | 06/24/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838848 | xxxxxx | 33732291 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: xxxxxx | The subject transaction is refinance transaction for a primary residence, however, the Declarations 5a section was marked as 'No' to will you occupy as a primary. Provide corrected 1003 to reflect appropriate answers for section 5a. A. |  | Reviewer Comment (2025-06-26): Updated 1003 provided | 06/26/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840053 | xxxxxx | 33710381 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-06-27): Articles provided with xxxxxx changed to xxxxxx. Cert of Authority also provided.<br>Reviewer Comment (2025-06-26): Application for Cert of Authority and approval provided for the State of xxxxxx for Entity. It is not known where the Entity was formed as the OA is missing. Need the filed Articles from the State the Entity was formed. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 840053 | xxxxxx | 33714462 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on seller, xxxxxx, signer for xxxxxx. |  | Reviewer Comment (2025-06-27): Received Fraud and OFAC searches run on seller, xxxxxx, signer for xxxxxx. Exception cleared. | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 840053 | xxxxxx | 33725010 | xxxxxx | 06/25/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Borrower rents the current primary and rented the previous primary. Borrower is 100% owner of the LLC that is paying the rent. |  | Reviewer Comment (2025-06-26): Updated 1003 provided | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 840053 | xxxxxx | 33725011 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-06-27): Articles provided with xxxxxx changed to xxxxxx. OA for xxxxxx in file.<br>Reviewer Comment (2025-06-26): The OA provided is not for the borrowing entity | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 840053 | xxxxxx | 33725014 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-06-27): Articles provided with xxxxxx changed to xxxxxx. EIN for xxxxxx in file.<br>Reviewer Comment (2025-06-26): The EIN provided is not for the Borrowing Entity | 06/27/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838572 | xxxxxx | 33684345 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Missing fraud reports for both guarantors. |  | Reviewer Comment (2025-06-09): Fraud report in file, exception cleared. | 06/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838438 | xxxxxx | 33715448 | xxxxxx | 06/25/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | The Final CD reflects a disbursement date of xxxxxx however the loan did not close until xxxxxx and the rescission expiration date on the RTC is xxxxxx If the closing and disbursement date on the Final CD is incorrect, provide the corrected PC-CD and final stamped settlement statement to support. |  | Reviewer Comment (2025-06-29): Final stamped settlement statement provided updating disbursement date. Rescission requirements met.<br>Reviewer Comment (2025-06-26): Received the PC-CD, however pending receipt of the final stamped settlement statement from title to support. | 06/29/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838438 | xxxxxx | 33716040 | xxxxxx | 06/25/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-27): Supplement provided | 06/27/2025 |  |  | 1 B A | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838438 | xxxxxx | 33804201 | xxxxxx | 06/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-29): The client elects to waive. The LTV is calculated from two AVM values and meets guideline requirements |  |  | 06/29/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837777 | xxxxxx | 33720064 | xxxxxx | 06/25/2025 | 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 (2025-06-24): Client elects to waive |  |  | 06/24/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837777 | xxxxxx | 33720066 | xxxxxx | 06/25/2025 | 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. (Final xxxxxx) | File does not contains a copy of Initial CD. An Initial CD must be issued to borrower at least 3 business days prior to closing. |  | Reviewer Comment (2025-06-27): xxxxxx received initial CD dated xxxxxx  | 06/27/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837777 | xxxxxx | 33720067 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-26): Received Approval. Exception cleared. | 06/26/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |

| xxxxxx | 839505 | xxxxxx | 33724529 | xxxxxx | 06/25/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $30,664.21 is less than Cash From Borrower $145,142.15. | Wire dated 6/6 cannot be used as it is post close (D0118) & C/O closing statement dated 6/6 cannot be used as it is post close (D0105). Provide the estimated closing statement for the property on xxxxxx will need to be provided dated at or prior to closing to utilize funds. |  | Reviewer Comment (2025-06-26): Estimated settlement statement provided along with supporting closing and transfer documents | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 839505 | xxxxxx | 33724542 | xxxxxx | 06/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Wire dated 6/6 cannot be used as it is post close (D0118) & C/O closing statement dated 6/6 cannot be used as it is post close (D0105). Provide the estimated closing statement for the property on xxxxxx will need to be provided dated at or prior to closing to utilize funds. |  | Reviewer Comment (2025-06-26): Estimated settlement statement provided along with supporting closing and transfer documents | 06/26/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 837912 | xxxxxx | 33719576 | xxxxxx | 06/25/2025 | 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 $900.00 exceeds tolerance of $850.00. Insufficient or no cure was provided to the borrower. (7506) | Provided COC in file does not state a valid reason for the change in appraisal fee. |  | Reviewer Comment (2025-07-10): xxxxxx received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-30): "xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase 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> " |  | 07/10/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | 33718949 | xxxxxx | 06/25/2025 | 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 $1,139.08 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-02): xxxxxx received COC dated xxxxxx .<br>Reviewer Comment (2025-06-30): "xxxxxx received Changed Circumstance dated xxxxxx pricing change; however, need additional information why pricing change. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase 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> " | 07/02/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | 33718950 | xxxxxx | 06/25/2025 | 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 Credit Report Fee. Fee Amount of $67.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-30): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 06/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | 33719017 | xxxxxx | 06/25/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-06-27): Secondary AVM provided | 06/27/2025 |  |  | 1 D A | N/A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | 33719027 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Refinance only is not checked on occupancy certificate. |  | Reviewer Comment (2025-06-27): Updated initialed occupancy cert provided | 06/27/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | 33799552 | xxxxxx | 06/27/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-06-27): The client elects to waive. The LTV is calculated from two AVM values and meets guideline requirements |  |  | 06/27/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | 33821899 | xxxxxx | 07/02/2025 | 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 $67.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-02): Sufficient Cure Provided At Closing |  | 07/02/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33720019 | xxxxxx | 06/25/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-27): FTP provided | 06/27/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33720021 | xxxxxx | 06/25/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-27): FTP provided | 06/27/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33731288 | xxxxxx | 06/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.02434% exceeds Guideline total debt ratio of 50.00000%. | DTI exceeds guidelines. The lender did not use rental income to qualify on the 1003. Further, Unit xxxxxx is OO, Unit xxxxxx is Family Occ, and Unit xxxxxx is STR in which STR ledger for 12 months nor receipt were provided and required per guidelines. |  | Reviewer Comment (2025-07-03): See investor exception allowing the xxxxxx report to qualify income. DTI is within guidelines now.<br>Reviewer Comment (2025-06-30): The documents provided were in file at time of review. Both businesses were not lumped together for 24 months of review. Business account xxxxxx and Audit income is $31,805.43 and xxxxxx is $18,236.95. Both are separate and for 12 months. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33731304 | xxxxxx | 06/25/2025 | 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. | DTI exceeds guidelines. The lender did not use rental income to qualify on the 1003. Further, Unit xxxxxx is OO, Unit xxxxxx is Family Occ, and Unit xxxxxx is STR in which STR ledger for 12 months nor receipt were provided and required per guidelines. |  | Reviewer Comment (2025-07-03): See investor exception allowing the xxxxxx report to qualify income. DTI is within guidelines now.<br>Reviewer Comment (2025-06-30): The documents provided were in file at time of review. Both businesses were not lumped together for 24 months of review. Business account xxxxxx and Audit income is $31,805.43 and xxxxxx is $18,236.95. Both are separate and for 12 months. | 07/03/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33731305 | xxxxxx | 06/25/2025 | 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. | DTI exceeds guidelines. The lender did not use rental income to qualify on the 1003. Further, Unit xxxxxx is OO, Unit xxxxxx is Family Occ, and Unit xxxxxx is STR in which STR ledger for 12 months nor receipt were provided and required per guidelines. |  | Reviewer Comment (2025-07-03): See investor exception allowing the xxxxxx report to qualify income. DTI is within guidelines now.<br>Reviewer Comment (2025-06-30): The documents provided were in file at time of review. Both businesses were not lumped together for 24 months of review. Business account xxxxxx and Audit income is $31,805.43 and xxxxxx is $18,236.95. Both are separate and for 12 months. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33731306 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.02434% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds guidelines. The lender did not use rental income to qualify on the 1003. Further, Unit xxxxxx is OO, Unit xxxxxx is Family Occ, and Unit xxxxxx is STR in which STR ledger for 12 months nor receipt were provided and required per guidelines. |  | Reviewer Comment (2025-07-03): See investor exception allowing the xxxxxx report to qualify income. DTI is within guidelines now.<br>Reviewer Comment (2025-06-30): The documents provided were in file at time of review. Both businesses were not lumped together for 24 months of review. Business account xxxxxx and Audit income is $31,805.43 and xxxxxx is $18,236.95. Both are separate and for 12 months. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33731308 | xxxxxx | 06/25/2025 | 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 $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | COC just states fee was added. Does not reflect a reason why the fee was added. |  | Reviewer Comment (2025-07-18): xxxxxx received valid COC dated xxxxxx <br>Reviewer Comment (2025-07-16): xxxxxx Received COC states SSR provided no score on xxxxxx ; however, file is missing SSR report. Provide SSR report along with supporting document evidencing when lender become aware of no score on SSR or provide Cure Docs. Cure Docs Consists of PCCD, LOE, Refund Check and proof of Mailing.<br>Reviewer Comment (2025-07-14): xxxxxx received rebuttal, however we require sufficient information for on what additional information regarding subject property was obtained that required appraisal review fee. Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-07-10): xxxxxx received rebuttal, however fee added on LE dated xxxxxx , and COC dated xxxxxx available in file but it 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 and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-07-07): xxxxxx received COC dated xxxxxx .However, we would require a valid COC for the fee added on LE dated xxxxxx for $90. Kindly provide a valid detailed COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-06-30): xxxxxx: provided COC dated xxxxxx indicates that Loan type or Loan program changed. Changed circumstance is missing additional information and file documentation to confirm if a valid changed circumstance. Changing programs are not considered valid changed circumstances in and of themselves, however, a change in fees due to the selection of a new program based on ineligibility for prior loan programs or terms may be valid changed circumstances. If it can be demonstrated the change in program resulted from borrower ineligibility the xxxxxx Desk Review was now required, the COC would be valid. Please provide additional information to support the program change now adds the fees due to prior program ineligibility or Cure is required to borrower. If there was an additional reason the fees increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. | 07/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33731789 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Loan was vested in a trust prior to transfer at closing. Provide the trust agreement to verify ownership. |  | Reviewer Comment (2025-06-30): Received Trust Agreement. Exception cleared. | 06/30/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | 33838320 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception allowing use of the xxxxxx report for Unit xxxxxx of subject property at 80% to qualify the income. Appraiser noted Unit xxxxxx is STR. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors |  |  | 07/08/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | 33724461 | xxxxxx | 06/27/2025 | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | 33724570 | xxxxxx | 06/27/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.63 is less than Guideline PITIA months reserves of 4.00. |  |  | Reviewer Comment (2025-07-03): Final stamped settlement statement provided reflecting a reduction in cash to close. Borrower now has sufficient reserves.<br>Reviewer Comment (2025-07-02): The guidelines do not say cash back at closing can be used on purchases. Further, as noted previously, the final CD does not reflect a reduction in cash to close but the PC-CD does which is a lender granted document. The final stamped settlement statement from title must be provided to support.<br>Reviewer Comment (2025-07-01): This is a purchase transaction. PC-CD reflects cash back at closing. There is no final stamped settlement statement to support. Cash back at closing cannot be used for reserves as it already included in the final closing. If the PC-CD is accurate reflecting a reduction in cash to close, then provide the final stamped settlement statement to support. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | 33787925 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post xxxxxx, the subject property is in a flood zone, flood insurance is not escrowed. | Final CD reflects HOI escrowed. PC-CD reflects flood insurance escrowed, however there is no final settlement statement to support. |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | 33787926 | xxxxxx | 06/27/2025 | 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. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. SOS in file is from xxxxxx. Need previous license or LOE from borrower on no licensing required from Schedule C. |  | Reviewer Comment (2025-07-11): Updated No License/Nature of Business to include previous Schedule C job provided<br>Reviewer Comment (2025-07-03): As noted previously, this is for the current business which has a license per the SOS but is < 2 years old. The condition is for the previous Schedule C business that needs verification if a business license is required.<br>Reviewer Comment (2025-07-01): The condition cannot be waived and documentation was not provided. Please review the original condition.The LOE is in reference to the current business which has an SOS license as of xxxxxx which is < 2 years. The LOE does not address the previous Schedule C business nor if a license was required as well as a license was also not provided for the Schedule C business. | 07/11/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | 33787927 | xxxxxx | 06/27/2025 | 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. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. SOS in file is from xxxxxx. Need previous license or LOE from borrower on no licensing required from Schedule C. |  | Reviewer Comment (2025-07-11): Updated No License/Nature of Business to include previous Schedule C job provided<br>Reviewer Comment (2025-07-03): As noted previously, this is for the current business which has a license per the SOS but is < 2 years old. The condition is for the previous Schedule C business that needs verification if a business license is required.<br>Reviewer Comment (2025-07-01): The condition cannot be waived and documentation was not provided. Please review the original condition.The LOE is in reference to the current business which has an SOS license as of xxxxxx which is < 2 years. The LOE does not address the previous Schedule C business nor if a license was required as well as a license was also not provided for the Schedule C business. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | 33787996 | xxxxxx | 06/27/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. SOS in file is from xxxxxx. Need previous license or LOE from borrower on no licensing required from Schedule C. |  | Reviewer Comment (2025-07-11): Updated No License/Nature of Business to include previous Schedule C job provided<br>Reviewer Comment (2025-07-08): The LOE does not state it is for both businesses. The LOE notes only the current business and not the Schedule C which is not one in the same business. Therefore, it cannot be assumed.<br>Reviewer Comment (2025-07-03): As noted previously, this is for the current business which has a license per the SOS but is < 2 years old. The condition is for the previous Schedule C business that needs verification if a business license is required.<br>Reviewer Comment (2025-07-01): The condition cannot be waived and documentation was not provided. Please review the original condition.The LOE is in reference to the current business which has an SOS license as of xxxxxx which is < 2 years. The LOE does not address the previous Schedule C business nor if a license was required as well as a license was also not provided for the Schedule C business. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840155 | xxxxxx | 33727415 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-07-01): Received full Fraud Report. Exception cleared. | 07/01/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 838004 | xxxxxx | 33724974 | xxxxxx | 06/27/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | The borrower signed the RTC on xxxxxx with an expiration date of xxxxxx, however the loan did not close until xxxxxx 3 days rescission not provided. |  | Reviewer Comment (2025-07-03): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-07-01): Received corrected RTC forms re-opening rescission both signed (which evidences delivery). Pending receipt of LOE to borrower. Also, condition cannot be cured until after midnight 7/1 which is when new rescission period ends. |  | 07/03/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | 33724975 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | No mortgage is being paid through closing. Form H-8 should have been utilized. |  | Reviewer Comment (2025-07-03): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-07-01): The H-8 form was already provided on xxxxxx Please review comments on xxxxxx Pending receipt of LOE to borrower as well as condition cannot be cured until midnight 7/1.<br>Reviewer Comment (2025-06-30): Received corrected RTC forms re-opening rescission both signed (which evidences delivery). Pending receipt of LOE to borrower. Also, condition cannot be cured until after midnight 7/1 which is when new rescission period ends. |  | 07/03/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | 33724976 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The borrower signed the RTC on xxxxxx with an expiration date of xxxxxx, however the loan did not close until xxxxxx 3 days rescission not provided. |  | Reviewer Comment (2025-07-03): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-07-01): Received corrected RTC forms re-opening rescission both signed (which evidences delivery). Pending receipt of LOE to borrower. Also, condition cannot be cured until after midnight 7/1 which is when new rescission period ends. |  | 07/03/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | 33724981 | xxxxxx | 06/27/2025 | 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. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-07-01): xxxxxx received xxxxxx LE | 07/01/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | 33819192 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $95,716.17 is over disclosed by $101.74 compared to the calculated Amount Financed of $95,614.43 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | PC-CD received post-review with final closing statement. The Title-Doc Signing fee increased from Final CD to Post-close CD. |  | Reviewer Comment (2025-07-10): xxxxxx received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-07-10): Finance charge is underdisclosed in the amount of $101.74. Provided cure and cure documents show a $75 cure. Because the cure was understated the RTC is no longer valid and needs to be reissued as well. Please provide PCCD, LOE, Copy or additional refund check in the amount of $26.74 , RTC and proof of delivery to cure.<br>Reviewer Comment (2025-07-07): LOE references prepaid interest, however, under disclosure results from increase in doc signing fee. Also, as Finance Charge, Amount Financed and TOP are material disclosures, rescission continues to run until accurate material disclosures are received by consumer. Mailing label indicates cure package is set to be delivered xxxxxx accordingly, please provide borrower with new NORTC with new rescission expiration date at least 3 business days from receipt of new NORTC and provide copy of of new NORTC and proof of receipt to complete cure. |  | 07/10/2025 |  | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | 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 | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | 33819196 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $210,278.20 is under disclosed by $75.00 compared to the calculated Finance Charge of $210,353.20 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | PC-CD received post-review with final closing statement. The Title-Doc Signing fee increased from Final CD to Post-close CD. |  | Reviewer Comment (2025-07-10): xxxxxx received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-07-10): Finance charge is underdisclosed in the amount of $101.74. Provided cure and cure documents show a $75 cure. Because the cure was understated the RTC is no longer valid and needs to be reissued as well. Please provide PCCD, LOE, Copy or additional refund check in the amount of $26.74 , RTC and proof of delivery to cure.<br>Reviewer Comment (2025-07-07): LOE references prepaid interest, however, under disclosure results from increase in doc signing fee. Also, as Finance Charge, Amount Financed and TOP are material disclosures, rescission continues to run until accurate material disclosures are received by consumer. Mailing label indicates cure package is set to be delivered xxxxxx accordingly, please provide borrower with new NORTC with new rescission expiration date at least 3 business days from receipt of new NORTC and provide copy of of new NORTC and proof of receipt to complete cure. |  | 07/10/2025 |  | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | 33819197 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx 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 xxxxxx). The disclosed Total of Payments in the amount of $311,113.20 is under disclosed by $75.00 compared to the calculated total of payments of $311,188.20 which exceeds the $35.00 threshold. (Final xxxxxx) | PC-CD received post-review with final closing statement. The Title-Doc Signing fee increased from Final CD to Post-close CD. |  | Reviewer Comment (2025-07-10): xxxxxx received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-07-10): Finance charge is underdisclosed in the amount of $101.74. Provided cure and cure documents show a $75 cure. Because the cure was understated the RTC is no longer valid and needs to be reissued as well. Please provide PCCD, LOE, Copy or additional refund check in the amount of $26.74 , RTC and proof of delivery to cure.<br>Reviewer Comment (2025-07-07): LOE references prepaid interest, however, under disclosure results from increase in doc signing fee. Also, as Finance Charge, Amount Financed and TOP are material disclosures, rescission continues to run until accurate material disclosures are received by consumer. Mailing label indicates cure package is set to be delivered xxxxxx accordingly, please provide borrower with new NORTC with new rescission expiration date at least 3 business days from receipt of new NORTC and provide copy of of new NORTC and proof of receipt to complete cure. |  | 07/10/2025 |  | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839625 | xxxxxx | 33732697 | xxxxxx | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The approval reflects xxxxxx as a co-borrower and income and assets were utilized to qualify, however, xxxxxx did not sign any of the legal documents in file as an individual or Trustee of the Trusts. |  | Reviewer Comment (2025-07-08): Per client email, confirmed with our Senior Management and legal team that we are ok with signatures as-is delivered in closing package and not requiring xxxxxx to sign based on xxxxxx is the successor of the trust. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839625 | xxxxxx | 33765282 | xxxxxx | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to allow STR ADU income to qualify on subject property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-25): Client elects to waive |  |  | 06/25/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839625 | xxxxxx | 33765314 | xxxxxx | 06/27/2025 | 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 xxxxxx) | 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. |  |  | Reviewer Comment (2025-06-25): Client elects to waive |  |  | 06/25/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839625 | xxxxxx | 33765326 | xxxxxx | 06/27/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Notary Fee | Payee reflects TBD |  | Reviewer Comment (2025-06-25): Client elects to waive |  |  | 06/25/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840669 | xxxxxx | 33733390 | xxxxxx | 06/27/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The DOT reflects married, however the 1003 reflects unmarried. If the 1003 is incorrect, provide the updated 1003. If the DOT is incorrect, provide the corrected DOT, LOE to borrower, evidence of delivery to the borrower and LOI. |  | Reviewer Comment (2025-07-08): Received corrected 1003. Exception cleared. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838724 | xxxxxx | 33727665 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-30): Received Business Purpose Certificate. Exception cleared. | 06/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838708 | xxxxxx | 33727944 | xxxxxx | 06/27/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property mortgage not reporting on credit. Mortgage Statement, Payoff, and VOM provided. Provide the borrower's 6 month pay history. |  | Reviewer Comment (2025-07-01): Received bank statement to verify 6 months mortgage payments. Exception cleared. | 07/01/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838708 | xxxxxx | 33762474 | xxxxxx | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx Taxes listed on asset statements. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-06-30): Client elect to waive with verified compensation factors |  |  | 06/30/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 840907 | xxxxxx | 33732730 | xxxxxx | 06/27/2025 | 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 xxxxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2829357) | Taxes, insurance and assessments based on docs in file total xxxxxx/month. The Final CD reflects xxxxxx/month. |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | 33732731 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2829356) | Taxes, insurance and assessments based on docs in file total xxxxxx/month. The Final CD reflects xxxxxx/month. |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | 33732732 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $244,770.79 is under disclosed by $588.13 compared to the calculated Finance Charge of $245,358.92 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $244,770.79 is under disclosed by $588.13 compared to the calculated Finance Charge of $245,358.92. |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | 33732847 | xxxxxx | 06/27/2025 | 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's Fee (Closing Agent and Other). Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7742) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | 33732900 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx 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 xxxxxx). The disclosed Total of Payments in the amount of $406,420.79 is under disclosed by $1,088.13 compared to the calculated total of payments of $407,508.92 which exceeds the $100.00 threshold. (Final xxxxxx) | The disclosed Total of Payments in the amount of $406,420.79 is under disclosed by $1,088.13 compared to the calculated total of payments of $407,508.92 |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | 33733004 | xxxxxx | 06/27/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 94.00000% exceeds Guideline loan to value percentage of 90.00000%. | Max per investor guidelines is 90%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors |  |  | 07/01/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | 33784792 | xxxxxx | 06/27/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $15,640.51 is less than Cash From Borrower $15,872.01. |  |  | Reviewer Comment (2025-07-02): Paid invoice for POCB appraisal provided<br>Reviewer Comment (2025-07-01): POCB fees are $450 and $642. Neither invoice reflects paid and a balance due therefore cannot include. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final CD. | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838947 | xxxxxx | 33747944 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | GA agreement in file is not executed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-08): The docusign was received and dated of signatures noted as xxxxxx Per guidelines, GA needs to be executed at closing.<br>Reviewer Comment (2025-07-03): GA was e-signed. Provide the docusign. Please note, the GA needed to be executed at closing per guidelines. If it was not, an exception will be needed by the investor. |  |  | 07/09/2025 | 2 D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838947 | xxxxxx | 33784478 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing for both borrowers. |  | Reviewer Comment (2025-07-03): Final 1003's provided | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838947 | xxxxxx | 33784515 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the business purpose cert |  | Reviewer Comment (2025-07-07): Received Business purpose Certificate. Exception cleared. | 07/07/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833043 | xxxxxx | 33737575 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Refinance only is not checked on the occupancy certificate (Doc ID #0261). |  | Reviewer Comment (2025-07-07): Received corrected occupancy certificate. Exception cleared. | 07/07/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833043 | xxxxxx | 33797435 | xxxxxx | 06/30/2025 | 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 $950.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Decreasing the loan amount would not increase/add discount points. Provide a valid COC or cure. |  | Reviewer Comment (2025-07-08): xxxxxx received COC dated xxxxxx  | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 833043 | xxxxxx | 33797436 | xxxxxx | 06/30/2025 | 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 $950.00 exceeds tolerance of $900.00. Insufficient or no cure was provided to the borrower. (7506) | Decreasing the loan amount would not increase the appraisal fee. Provide a valid COC or cure. |  | Reviewer Comment (2025-07-17): xxxxxx received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-07-16): SituAMC Received CD and LOE; however, provided CD is dated xxxxxx which is same date as Final CD. Corrections should be made on PCCD dated after Final CD. Provide Corrected PCCD and LOE dated after closing.<br>Reviewer Comment (2025-07-15): xxxxxx received LOE, copy of refund check and proof of mailing however, LOE provided does not provide specific information that cure provided for fee in question. Please provide corrected LOE showing fee name for which the cure was provided or provide corrected PCCD shoving cure under section J.<br>Reviewer Comment (2025-07-08): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 07/17/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 833043 | xxxxxx | 33797437 | xxxxxx | 06/30/2025 | 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 $225.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (75103) | Cure provided on final CD, however due to multiple violations, this will be addressed upon receipt of those. |  | Reviewer Comment (2025-07-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 833043 | xxxxxx | 33797438 | xxxxxx | 06/30/2025 | 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 Credit Report Fee. Fee Amount of $484.31 exceeds tolerance of $350.00. Insufficient or no cure was provided to the borrower. (7520) | Cure provided on final CD, however due to multiple violations, this will be addressed upon receipt of those. |  | Reviewer Comment (2025-07-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 839914 | xxxxxx | 33781412 | xxxxxx | 06/30/2025 | 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 $5,741.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-09): xxxxxx received LOX for the bifurcation Transfer tax and recording fees.<br>Reviewer Comment (2025-07-03): xxxxxx received LOX for rebuttal comment and screenprint of itemization of fees disclosed on LE. But it was unsigned. xxxxxx would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information. Upon receipt of the Lender attestation with additional information noted along with the screen print, xxxxxx can re-review and re-baseline this exception. | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 839914 | xxxxxx | 33781413 | xxxxxx | 06/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Mortgage statement for borrower's current primary residence to determine if the taxes and insurance are escrowed and paid by the third party. Note: If taxes and insurance are not escrowed then those expenses must be included in the DTI. Or provide the purchase contract as property is listed as pending sale on the 1003 REO with all financing contingencies removed. |  | Reviewer Comment (2025-07-11): Received Mortgage Statement to verify taxes and insurance are escrowed. Exception cleared.<br>Reviewer Comment (2025-07-02): Received LOX, bank statement and Underwriter Cert. However requested document was not provide, please provide document as requested on the original condition. Exception remains. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 839914 | xxxxxx | 33796213 | xxxxxx | 06/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Per guidelines, a VVOE dated within 10 days prior to closing is required or a paystub dated within 30 days prior to closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-08): TWN number provided was verified on 7/8 which is post-close and not acceptable. VVOE or TWN needed to be provided within 10 days prior to closing or paystub provided within 30 days prior to closing.<br>Reviewer Comment (2025-07-08): Received same lox and UW Cert. Please provide document as requested on the original condition. Exception remains.<br>Reviewer Comment (2025-07-07): The requested document was not provided. Received LOX, bank statement and Underwriter Cert. However the document requested is for a VVOE dated within 10 days prior to closing or a paystub dated within 30 days prior to closing for Borrower, xxxxxx Wages Income. Exception remains. |  |  | 07/13/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | 33749859 | xxxxxx | 06/30/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Final CD reflects a disbursement date of xxxxxx which is the same as the RTC expiration date. If the disbursement date on the Final CD is incorrect, provided the final stamped settlement statement to support. |  | Reviewer Comment (2025-07-01): PC-CD and final stamped settlement statement provided reflecting correct disbursement date. Rescission requirements met. | 07/01/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | 33757378 | xxxxxx | 06/30/2025 | 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 (2025-06-27): Client elects to waive |  |  | 06/27/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | 33796852 | xxxxxx | 06/30/2025 | 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 $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The COC says FSD score did not meet requirements so a 2055E was ordered which also resulted in a CDA order, however no AVM is in file with insufficient score. Additional information is required to determine if COC is valid and fee disclosed timely. |  | Reviewer Comment (2025-07-14): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-07): xxxxxx received AVM and CDA docs. As per COC dated xxxxxx the CDA and second appraisal was added due to FSD and confidence score does not meets the qualification. However, the AVM report is dated xxxxxx and the fee was added on xxxxxx which is not within 3 business days from the date of changes received please provide more information on timeline when lender has become aware of the requirement of new services and also, more information on qualifying criterion is required to validate the reason provided on COC. |  | 07/14/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | 33796853 | xxxxxx | 06/30/2025 | 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 $700.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) | The COC says FSD score did not meet requirements so a 2055E was ordered, however no AVM is in file with insufficient score. Additional information is required to determine if COC is valid and fee disclosed timely. |  | Reviewer Comment (2025-07-14): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-07): xxxxxx received AVM and CDA docs. As per COC dated xxxxxx the CDA and second appraisal was added due to FSD and confidence score does not meets the qualification. However, the AVM report is dated xxxxxx and the fee was added on xxxxxx which is not within 3 business days from the date of changes received please provide more information on timeline when lender has become aware of the requirement of new services and also, more information on qualifying criterion is required to validate the reason provided on COC. |  | 07/14/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | 33796854 | xxxxxx | 06/30/2025 | 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 AVM Fee. Fee Amount of $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7514) | No valid COC provided for this |  | Reviewer Comment (2025-07-14): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 07/14/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | 33796874 | xxxxxx | 06/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-27): The client elects to waive. The LTV is calculated using a drive-by appraisal and an AVM, and meets guideline requirements |  |  | 06/27/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839521 | xxxxxx | 33763330 | xxxxxx | 06/30/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift amount $72,709.82 per wire provided in file and source of funds does not match gift letter of $71,400.00. Please provide the updated gift letter. |  | Reviewer Comment (2025-07-11): Updated gift letter provided | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839521 | xxxxxx | 33763652 | xxxxxx | 06/30/2025 | 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 (2025-06-27): Client elects to waive |  |  | 06/27/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839521 | xxxxxx | 33763655 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | NMLS ID not available on the final CD dated xxxxxx . |  | Reviewer Comment (2025-07-17): xxxxxx received PCCD. |  | 07/17/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839521 | xxxxxx | 33763747 | xxxxxx | 06/30/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI and RCE: City name xxxxxx does not matches with the Note document xxxxxx. |  | Reviewer Comment (2025-07-17): Updated HOI provided<br>Reviewer Comment (2025-07-16): The HOI provided was not updated under Your Insured Property: Property Address.<br>Reviewer Comment (2025-07-14): Updated RCE provided. Still pending receipt of updated HOI.<br>Reviewer Comment (2025-07-11): No new documents received. Please try uploading again. | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839521 | xxxxxx | 33763765 | xxxxxx | 06/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-07-21): Received Property History Report to verify property is xxxxxx. Exception cleared. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840635 | xxxxxx | 33747972 | xxxxxx | 06/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Copy of the lease is not required if the appraiser lists the rent amount for the subject property on Form 1007/1025. Otherwise, a copy of the lease is required. 1007 does not list actual rents. |  | Reviewer Comment (2025-07-07): Received Lease Agreement. Exception cleared. | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 840635 | xxxxxx | 33747973 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  |  |  | Reviewer Comment (2025-07-07): Received Trust Agreement. Exception cleared. | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 836635 | xxxxxx | 33768699 | xxxxxx | 07/01/2025 | 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. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-07-03): xxxxxx received initial CD. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33768700 | xxxxxx | 07/01/2025 | 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 $10,840.60 exceeds tolerance of $8,470.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $8,470.00 on the Loan Estimate, but was disclosed as $10,840.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $2,370, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-03): xxxxxx received a valid COC. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33769394 | xxxxxx | 07/01/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-03): FTP provided | 07/03/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33769410 | xxxxxx | 07/01/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-03): FTP provided. See added condition | 07/03/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33769444 | xxxxxx | 07/01/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-03): E-consent provided | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33769505 | xxxxxx | 07/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-03): Gap provided | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33809647 | xxxxxx | 07/01/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | The business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Bank statement from 24 or more months prior to note date reflecting activity, or<br> o Other reasonable evidence of business activity.<br> CPA does not verify this information. |  | Reviewer Comment (2025-07-02): Filed Articles provided with start date and stock share holder information. | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33809729 | xxxxxx | 07/01/2025 | 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. | Due to missing income documents |  | Reviewer Comment (2025-07-02): Filed Articles provided with start date and stock share holder information. | 07/02/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33809730 | xxxxxx | 07/01/2025 | 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. | Due to missing income documents |  | Reviewer Comment (2025-07-02): Filed Articles provided with start date and stock share holder information. | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33832864 | xxxxxx | 07/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.46430% exceeds Guideline total debt ratio of 50.00000%. | Gap report provided post-review and dated prior to closing dated xxxxxx Borrower increased debt on multiple accounts resulting in excessive DTI. |  | Reviewer Comment (2025-07-10): Later dated credit supplement provided dated at closing xxxxxx updating two debts. DTI not within guidelines. | 07/10/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33832880 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.46430% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Gap report provided post-review and dated prior to closing dated xxxxxx Borrower increased debt on multiple accounts resulting in excessive DTI. |  | Reviewer Comment (2025-07-10): Later dated credit supplement provided dated at closing xxxxxx updating two debts. DTI not within guidelines. | 07/10/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836635 | xxxxxx | 33838600 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FTP provided post review, item #2 states there is a special tax which is now a lien and may be levied within the xxxxxx on the property. Amount levied against the land is xxxxxx. |  | Reviewer Comment (2025-07-11): Per client comments, accepting title as-is.<br>Reviewer Comment (2025-07-10): The title reflects any special tax which is now a lien.....amount levied against the land is xxxxxx. Assigned to investor if they are accepting title as-is.<br>Reviewer Comment (2025-07-08): The amount being included in the taxes has no bearing if it is a lien filed against the property for lack of payment. | 07/11/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33757554 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive |  |  | 07/01/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33757665 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-03): Approval provided | 07/03/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33757666 | xxxxxx | 07/01/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-07-01): Client elects to waive |  |  | 07/01/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33757684 | xxxxxx | 07/01/2025 | 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. | B2: A VVOE dated within 10 days prior to consummation was not provided nor a paystub dated within 30 days prior to consummation. |  | Reviewer Comment (2025-07-03): VVOE dated within 10 days prior to closing provided | 07/03/2025 |  |  | 1 B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33757685 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | B2: A VVOE dated within 10 days prior to consummation was not provided nor a paystub dated within 30 days prior to consummation. |  | Reviewer Comment (2025-07-03): VVOE dated within 10 days prior to closing provided | 07/03/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33757686 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | A YTD paystub is dated more than 30 days of Note date. Therefore provide a verbal VOE dated no more than 10 calendar days prior to Note date for borrower, xxxxxx employment at xxxxxx. |  | Reviewer Comment (2025-07-03): VVOE dated within 10 days prior to closing provided | 07/03/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33757697 | xxxxxx | 07/01/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | B2: A VVOE dated within 10 days prior to consummation was not provided nor a paystub dated within 30 days prior to consummation. |  | Reviewer Comment (2025-07-03): VVOE dated within 10 days prior to closing provided | 07/03/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33816471 | xxxxxx | 07/01/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 is not signed and dated by the LO. Application date taken from Fraud Report. |  | Reviewer Comment (2025-07-01): Client elects to waive |  |  | 07/01/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | 33816544 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert: Refinance only not checked. |  | Reviewer Comment (2025-07-03): Updated occupancy cert provided | 07/03/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33780966 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-02): Approval provided | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33781170 | xxxxxx | 07/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-03): Gap provided | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33781218 | xxxxxx | 07/01/2025 | 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 (2025-06-30): Client elects to waive |  |  | 06/30/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33781226 | xxxxxx | 07/01/2025 | 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. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-07-07): xxxxxx received xxxxxx CD 3 business days prior to consummation. | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33781227 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , 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 $8,921.96 may be required. | Loan Estimate not provided. |  | Reviewer Comment (2025-07-07): LE provided | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33781229 | xxxxxx | 07/01/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-03): FTP provided | 07/03/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33781230 | xxxxxx | 07/01/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-03): FTP provided | 07/03/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33781231 | xxxxxx | 07/01/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-03): E-Consent provided | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33810024 | xxxxxx | 07/01/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing a gift letter. Seller is the borrower's father. Gift of Equity credit shown on the PCCD issued xxxxxx . 12 month mortgage history was provided on existing mortgage. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-11): The gift letter is dated post-close. Further, the PC-CD reflects the gift of equity is $82,500 vs. $84,000. |  |  | 07/22/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | 33810042 | xxxxxx | 07/01/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Provide the updated appraisal. Appraiser on page 1 notes Arms Length when Non-Arms. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Updated appraisal provided<br>Reviewer Comment (2025-07-07): A corrected appraisal is being provided. | 07/08/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838435 | xxxxxx | 33763729 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-02): Approval provided | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 838435 | xxxxxx | 33764096 | xxxxxx | 07/01/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Missing Road xxxxxx |  | Reviewer Comment (2025-07-02): Updated HOI provided | 07/02/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 838258 | xxxxxx | 33781441 | xxxxxx | 07/01/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-08): E-Consent provided | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838076 | xxxxxx | 33762816 | xxxxxx | 07/01/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal/CDA reflect xxxxxx vs Note reflects xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838076 | xxxxxx | 33763528 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on seller, xxxxxx, signer for xxxxxx. |  | Reviewer Comment (2025-07-21): Received Fraud and OFAC searches run on seller, xxxxxx, signer for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-17): Received blank document. Provide Fraud and OFAC searches not run on seller, xxxxxx, signer for xxxxxx. Exception remains. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838541 | xxxxxx | 33784388 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive |  |  | 07/01/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838162 | xxxxxx | 33789959 | xxxxxx | 07/01/2025 | 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 - Attorney's Fee (Closing Agent and Other). Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75182) |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | 06/26/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838162 | xxxxxx | 33789960 | xxxxxx | 07/01/2025 | 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 - Endorsement Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7564) |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | 06/26/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838760 | xxxxxx | 33764142 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Trade to Settlement Agent |  | Reviewer Comment (2025-07-02): Wire ticket provided | 07/02/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838760 | xxxxxx | 33764153 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx, signer for xxxxxx. |  | Reviewer Comment (2025-07-14): Received HUD/LDP/GSA. Exception cleared.<br>Reviewer Comment (2025-07-07): Received background report is for the borrowing entity. However the document requested is for Fraud and search for seller, xxxxxx. Therefor provide HUD/GSA/LDP or background report for seller, xxxxxx. Exception remains.<br>Reviewer Comment (2025-07-02): Received OFAC search. Provide HUD/GSA/LDP or updated fraud report. Exception remains. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838760 | xxxxxx | 33764179 | xxxxxx | 07/01/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-02): Updated later dated policy provided dated xxxxxx | 07/02/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 838764 | xxxxxx | 33781132 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Wire Ticket to Settlement Agent |  | Reviewer Comment (2025-07-02): Wire ticket provided | 07/02/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 838764 | xxxxxx | 33784745 | xxxxxx | 07/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report. Per investor overlays to lender's guidelines, provide the mortgage statement or Note to verify payment and 12-months housing history for the review. Payoff provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-21): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-07-14): Received Note and 12 months creditor history. Pending receipt of 6 months borrower's payment. Exception remains.<br>Reviewer Comment (2025-07-04): Received 12 months creditor pay history. Pending receipt of provide the mortgage statement or Note. Exception remains. |  |  | 07/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 837686 | xxxxxx | 33788618 | xxxxxx | 07/01/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Total loan amount provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. Provide the RCE. |  | Reviewer Comment (2025-07-16): RCE provided | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837686 | xxxxxx | 33811010 | xxxxxx | 07/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide the Final CD or First Payment Letter to verify the PITIA. LE only in file from xxxxxx |  | Reviewer Comment (2025-07-04): Received Final CD to verify the PITIA amount. Exception cleared. | 07/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839599 | xxxxxx | 33778523 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement, however no credit documents were provided for this individual (i.e. credit report, fraud report, ID, application, ofac, VOM, etc). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-02): Client elects to waive with verified compensation factors |  |  | 07/02/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839599 | xxxxxx | 33807224 | xxxxxx | 07/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month housing history for the primary residence. Mortgage Statement in file. Per property profile report, both Guarantors are on the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-11): Mortgage Statement reflects borrower's name. Therefore please provide 12 month housing history for the primary residence or Note document to verify borrower is not liable for mortgage payments. Exception remains. |  |  | 07/11/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839607 | xxxxxx | 33777500 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement, however no credit documents were provided for this individual (i.e. credit report, fraud report, ID, application, ofac, VOM, etc). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-02): Client elects to waive with verified compensation factors |  |  | 07/02/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839607 | xxxxxx | 33778128 | xxxxxx | 07/01/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-10): FTP provided | 07/10/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839607 | xxxxxx | 33778340 | xxxxxx | 07/01/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-10): FTP provided | 07/10/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839607 | xxxxxx | 33807344 | xxxxxx | 07/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month housing history for the primary residence. Mortgage Statement in file. Per property profile report, both Guarantors are on the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-10): xxxxxx signed as a guarantor on the loan. The mortgage statement reflects this individual. The history is required. |  |  | 07/15/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839608 | xxxxxx | 33790640 | xxxxxx | 07/01/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | < 1.00 DSCR is 70% for xxxxxx Lease on 1007 expires xxxxxx Appraiser notes property is vacant and pictures also support this. |  | Reviewer Comment (2025-07-14): See new exception | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839608 | xxxxxx | 33790644 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement, however no credit documents were provided for this individual (i.e. credit report, fraud report, ID, application, ofac, VOM, etc) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-02): Client elects to waive with verified compensation factors |  |  | 07/02/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839608 | xxxxxx | 33807552 | xxxxxx | 07/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month housing history for the primary residence. Mortgage Statement in file. Per property profile report, both Guarantors are on the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-11): Client elects to waive with verified compensation factors |  |  | 07/11/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839608 | xxxxxx | 33925288 | xxxxxx | 07/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor granting exception to allow 120% of estimated rents listed on 1007. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-14): Client elects to waive with verified compensation factors |  |  | 07/14/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839614 | xxxxxx | 33789081 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement; however, credit documents are not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-02): Client elects to waive with verified compensation factors |  |  | 07/02/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839614 | xxxxxx | 33807765 | xxxxxx | 07/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month housing history for the primary residence. Mortgage Statement in file. Per property profile report, both Guarantors are on the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-11): Mortgage Statement reflects borrower's name. Therefore please provide 12 month housing history for the primary residence or Note document to verify borrower is not liable for mortgage payments. Exception remains. |  |  | 07/15/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 840565 | xxxxxx | 33747808 | xxxxxx | 05/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The xxxxxx project is recent conversion within 6 months (Feb 0f 2025). Project conversions legally created in the past 6 months are not allowed per guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-13): Client elects to downgrade and waive with the following compensating factors:<br> Borrower has 6 months reserves, 0X30 on mortgage. <br> Guidelines Representative FICO: 640<br> Representative FICO: 682<br>Reviewer Comment (2025-05-28): Please advise which compensating factors you would like to use, we have FICO, borrower has 5% of own funds. |  |  | 06/13/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 840564 | xxxxxx | 33747810 | xxxxxx | 05/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requesting exception for the following - 1) New Development with less than 30% of available units sold. 2)Leasehold Property - 99 year lease. 12+ months reserves/New build purchase 70% LTV. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>There is over $275k in available reserves. | Reviewer Comment (2025-05-28): Client elects to downgrade and waive with the following compensating factors: <br> Borrower has 12 plus months reserves / New build purchase with only 70% LTV. <br> Borrower's Own Funds Percent: 75.35%<br> Borrower's Own Funds Amount: $363,918.00 |  |  | 05/28/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 840444 | xxxxxx | 33803875 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Evidence of Borrower's receipt not provided in the file |  | Reviewer Comment (2025-07-01): Client elects to waive |  |  | 07/01/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840444 | xxxxxx | 33803897 | xxxxxx | 07/01/2025 | 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 Home Inspection Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7535) | Compliance Inspection Fee was not disclosed on the Loan Estimate, but was disclosed as $275.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $275.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-15): xxxxxx received VCC.<br>Reviewer Comment (2025-07-14): xxxxxx received COC dated xxxxxx stating "UW reviewed appraisal and is requiring a compliance inspection for proof of completion" However we would require additional information when did the UW became aware of the compliance inspection for proof of completion of items" along with UW communication log in order to clear the exception.<br>Reviewer Comment (2025-07-09): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Compliance 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> " | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 840444 | xxxxxx | 33934569 | xxxxxx | 07/15/2025 | 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 Home Inspection Fee. Fee Amount of $275.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. (7535) |  |  | Reviewer Comment (2025-07-15): Sufficient Cure Provided At Closing |  | 07/15/2025 |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836723 | xxxxxx | 33790615 | xxxxxx | 07/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of large deposit of $179,604.14 was not provided. |  | Reviewer Comment (2025-07-11): Source of large deposit provided | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836723 | xxxxxx | 33790844 | xxxxxx | 07/01/2025 | 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 Credit Report Fee. Fee Amount of $298.00 exceeds tolerance of $140.00. Insufficient or no cure was provided to the borrower. (7520) | Lender cure of $158.00 is reflecting on Final CD, however due to multiple violations, this will be cured when all other violations have been addressed. |  | Reviewer Comment (2025-07-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 836723 | xxxxxx | 33794279 | xxxxxx | 07/01/2025 | 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 $8,923.75 exceeds tolerance of $8,473.79. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-15): xxxxxx received valid COC dated xxxxxx  | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 836723 | xxxxxx | 33930759 | xxxxxx | 07/15/2025 | 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 $298.00 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure provided at closing. |  | Reviewer Comment (2025-07-15): Sufficient Cure Provided At Closing |  | 07/15/2025 |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838449 | xxxxxx | 33822299 | xxxxxx | 07/02/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: City does not match the Note |  | Reviewer Comment (2025-07-08): Updated CDA provided | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838771 | xxxxxx | 33795046 | xxxxxx | 07/02/2025 | 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 $183.50 exceeds tolerance of $65.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided At Closing |  | 06/27/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838771 | xxxxxx | 33795047 | xxxxxx | 07/02/2025 | 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 $67.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided At Closing |  | 06/27/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838771 | xxxxxx | 33795053 | xxxxxx | 07/02/2025 | 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. (Final xxxxxx) | The file is missing evidence of initial Closing Disclosure and any re-disclosed CD's. |  | Reviewer Comment (2025-07-09): xxxxxx received initial CD.<br>Reviewer Comment (2025-07-08): xxxxxx No documents received in order to verify the exception. Kindly provide initial CD three days prior to closing date. | 07/09/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838771 | xxxxxx | 33795234 | xxxxxx | 07/02/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-02): The client elects to waive. The LTV is calculated from two AVM values and meets guideline requirements |  |  | 07/02/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838771 | xxxxxx | 33822968 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert not provided |  | Reviewer Comment (2025-07-11): Occupancy cert provided | 07/11/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | 33794483 | xxxxxx | 07/02/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-03): E-consent provided | 07/03/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | 33794593 | xxxxxx | 07/02/2025 | 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 $1,249.00 exceeds tolerance of $1,093.00 plus 10% or $1,202.30. Insufficient or no cure was provided to the borrower. xxxxxx | The Ten Percent Fee increased from $1,093.00 on the initial Loan Estimate to $1,249.00 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-07-08): xxxxxx received valid COC dated xxxxxx  | 07/08/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | 33794643 | xxxxxx | 07/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | The Work Number employment only is dated post-close as well as the paystub is dated > 30 days prior to closing. The guidelines require a VVOE dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-07-09): Paystub provided within 30 days prior to closing. | 07/09/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | 33795197 | xxxxxx | 07/02/2025 | 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. | The Work Number employment only is dated post-close as well as the paystub is dated > 30 days prior to closing. The guidelines require a VVOE dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-07-09): Paystub provided within 30 days prior to closing. | 07/09/2025 |  |  | 1 B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | 33795198 | xxxxxx | 07/02/2025 | 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. | The Work Number employment only is dated post-close as well as the paystub is dated > 30 days prior to closing. The guidelines require a VVOE dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-07-09): Paystub provided within 30 days prior to closing. | 07/09/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | 33823575 | xxxxxx | 07/02/2025 | 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 xxxxxx) | 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. |  |  | Reviewer Comment (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | 33823606 | xxxxxx | 07/02/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Second mortgagee reflects the old lien holder which is a xxxxxx. |  | Reviewer Comment (2025-07-10): Updated HOI. Investor confirmed accepting updated lien holder mortgagee post close but prior to purchase.<br>Reviewer Comment (2025-07-09): The LOE is not acceptable. A look up of the NMLS for the current transaction lien holder doe not reflect xxxxxx is an AKA or alternate name for xxxxxx. The xxxxxx is the old lien holder.<br>Reviewer Comment (2025-07-03): The same document was provided that was in file at time of review. Please review the original condition. Second mortgagee reflects the old lien holder which is a xxxxxx. | 07/10/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841300 | xxxxxx | 33789469 | xxxxxx | 07/02/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $228,108.66 is less than Cash From Borrower $235,174.12. | Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final CD. |  | Reviewer Comment (2025-07-03): Updated asset statement provided. Borrower has sufficient cash to close. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 841300 | xxxxxx | 33789473 | xxxxxx | 07/02/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City does not match |  | Reviewer Comment (2025-07-08): Updated flood cert provided | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 841300 | xxxxxx | 33789507 | xxxxxx | 07/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final CD. |  | Reviewer Comment (2025-07-03): Updated asset statement provided. Borrower has sufficient reserves. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 841300 | xxxxxx | 33817797 | xxxxxx | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per investor overlays, investor will no longer purchase investment occupancy DSCR loans located in xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-03): Client elects to waive with verified compensation factors |  |  | 07/03/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 836921 | xxxxxx | 33794783 | xxxxxx | 07/02/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Credit Code (First Lien Refinance Notice Not Provided) | xxxxxx Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  | Reviewer Comment (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836921 | xxxxxx | 33824399 | xxxxxx | 07/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file to accept six (6) $300 cash payments on the $50K private mortgage from xxxxxx. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-02): Client elects to waive with verified compensation factors |  |  | 07/02/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839978 | xxxxxx | 33796166 | xxxxxx | 07/02/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraiser did not complete page 1 of the appraisal in regards to if subject property is currently offered for sale or was offered for sale in the past 12 months. |  | Reviewer Comment (2025-07-11): Received revised appraisal. Exception cleared.<br>Reviewer Comment (2025-07-08): Received updated appraisal report with same report date. Please provide appraisal report with correct report date when the appraisal was updated along with addendum to verify the changes. Exception remains. | 07/11/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841288 | xxxxxx | 33795026 | xxxxxx | 07/02/2025 | 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 (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841288 | xxxxxx | 33827140 | xxxxxx | 07/02/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Both Gift Letters reflects donor's name as xxxxxx and is the same name as listed on 1003 and same name affidavit as an alternate name for the Borrower. |  | Reviewer Comment (2025-07-15): Received driving license of xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-11): Received LOE stating relationship of xxxxxx. However provide verification of identification to support the same. Exception remains. | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839973 | xxxxxx | 33827983 | xxxxxx | 07/02/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Current mortgagee + ISAOA is not listed. Reflects xxxxxx. |  | Reviewer Comment (2025-07-07): An updated HOI policy was provided | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838353 | xxxxxx | 33828157 | xxxxxx | 07/02/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $404,596.89 is less than Cash From Borrower $407,058.73. | xxxxxx: When used for the down payment or closing costs, proof of liquidation is required, and funds must be deposited into an established xxxxxx account. If not, only BTC and ETH can be used at 60% for reserves. |  | Reviewer Comment (2025-07-09): PC-CD and final stamped settlement statement provided reflecting a reduction in cash to close. | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839379 | xxxxxx | 33828255 | xxxxxx | 07/02/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification | Property profile report reflects xxxxxx. |  | Reviewer Comment (2025-07-07): Received HOA Verification. Exception cleared. | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838714 | xxxxxx | 33789266 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on signor for Property Seller, xxxxxx. |  | Reviewer Comment (2025-07-07): Received Fraud and OFAC searches run on signor for Property Seller, Grant. Exception cleared. | 07/07/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838714 | xxxxxx | 33818535 | xxxxxx | 07/02/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $159,038.48 is less than Cash From Borrower $216,561.00. | Assets not held in the name of the vested entity: The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business. Per xxxxxx, Borrower owns 50%. |  | Reviewer Comment (2025-07-03): Updated articles filed dated xxxxxx which is after OA dated xxxxxx removing the additional manage and making our borrower 100% owner. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 838714 | xxxxxx | 33818538 | xxxxxx | 07/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Assets not held in the name of the vested entity: The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business. Per xxxxxx, Borrower owns 50%. |  | Reviewer Comment (2025-07-03): Updated articles filed dated xxxxxx which is after OA dated xxxxxx removing the additional manage and making our borrower 100% owner. | 07/03/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 840615 | xxxxxx | 33804100 | xxxxxx | 07/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of the $25,000 gift. |  | Reviewer Comment (2025-07-31): Received wire confirmation for gift funds in amount of $16,000. Exception cleared.<br>Reviewer Comment (2025-07-29): Received updated gift letter for $16,000 from $25,000, however still need evidence of receipt of the $16,000 gift. | 07/31/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33804101 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-22): Received Escrow instructions which is not acceptable document. Provide Purchase Agreement. Exception remains. |  |  | 08/01/2025 | 2 D B | D B | D | B D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33804102 | xxxxxx | 07/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | There is an LOE in file from the borrower and from the additional person living at the primary residence on xxxxxx that states the borrower has been living rent free for 10 years. However, the borrower's credit report has an open xxxxxx that was not added to the ratios. The 1008 reflects borrower was removed from title 3 years ago and evidence provided that debt is being paid by a third party, however this was not provided. 12 months bank statements/cancelled checks are required to exclude debt. |  | Reviewer Comment (2025-07-10): Received 12 months bank statement to verify that borrower is not liable for mortgage payment. Exception cleared. | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33804123 | xxxxxx | 07/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender NMLS ID). |  | Reviewer Comment (2025-07-31): xxxxxx received Letter of Explanation & Corrected Closing Disclosure<br>Reviewer Comment (2025-07-25): xxxxxx received Corrected CD. Missing copy of LOE to borrower which accompanied to finalize cure |  | 07/31/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33806690 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-07-30): Received OFAC search for seller. Exception cleared.<br>Reviewer Comment (2025-07-10): Received HUD/LDP/GSA search for seller. Provide OFAC search or updated fraud report for seller, xxxxxx. Exception remains. | 07/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33828360 | xxxxxx | 07/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Current/active license or certification for the preparer: CTEC certification from xxxxxx (e.g., screenshot of CTEC web site) |  | Reviewer Comment (2025-07-08): Preparer's license verification provided | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33828375 | xxxxxx | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the preparer letter, the preparer notes they reviewed the P&L. The P&L Preparer attestation form states they prepared the P&L. Preparer is required to complete the P&L for the P&L program. Clarification from preparer is required. |  | Reviewer Comment (2025-07-29): Updated letter provided | 07/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33828425 | xxxxxx | 07/02/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The final 1003 does not reflect the years in the primary residence. |  | Reviewer Comment (2025-07-24): Updated 1003 provided<br>Reviewer Comment (2025-07-08): All pages of the corrected 1003 must be provided | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33828552 | xxxxxx | 07/02/2025 | 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. | Current/active license or certification for the preparer: CTEC certification from xxxxxx (e.g., screenshot of CTEC web site) |  | Reviewer Comment (2025-07-08): Preparer's license verification provided | 07/08/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | 33828553 | xxxxxx | 07/02/2025 | 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. | Current/active license or certification for the preparer: CTEC certification from xxxxxx (e.g., screenshot of CTEC web site) |  | Reviewer Comment (2025-07-08): Preparer's license verification provided | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804132 | xxxxxx | 07/02/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: 128 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-07-10): CDA received | 07/10/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804135 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-07-21): Received Senior Lien Note. Exception cleared. | 07/21/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804136 | xxxxxx | 07/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 68.03997% exceeds Guideline total debt ratio of 50.00000%. | Per the 1008/1003 the lender excluded the senior lien mortgage payment. Loan is still active based on mortgage statement. Also, it should be noted, if lien was paid off, this would make the loan ineligible per guidelines. |  | Reviewer Comment (2025-07-28): Received additional 12 months business bank statement. Exception cleared. | 07/28/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804149 | xxxxxx | 07/02/2025 | 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. | Per the 1008/1003 the lender excluded the senior lien mortgage payment. Loan is still active based on mortgage statement. Also, it should be noted, if lien was paid off, this would make the loan ineligible per guidelines. |  | Reviewer Comment (2025-07-28): Received additional 12 months business bank statement. | 07/28/2025 |  |  | 1 B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804150 | xxxxxx | 07/02/2025 | 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. | Per the 1008/1003 the lender excluded the senior lien mortgage payment. Loan is still active based on mortgage statement. Also, it should be noted, if lien was paid off, this would make the loan ineligible per guidelines. |  | Reviewer Comment (2025-07-28): Received additional 12 months business bank statement. | 07/28/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804152 | xxxxxx | 07/02/2025 | 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 68.03997% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | Per the 1008/1003 the lender excluded the senior lien mortgage payment. Loan is still active based on mortgage statement. Also, it should be noted, if lien was paid off, this would make the loan ineligible per guidelines. |  | Reviewer Comment (2025-07-28): Received additional 12 months business bank statement. | 07/28/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804154 | xxxxxx | 07/02/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) xxxxxx Subprime Loan (Escrow Not Established) | xxxxxx 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 (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33804155 | xxxxxx | 07/02/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 10.64735% or Final Disclosure APR of 10.64700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.89000 + 3.75%, or 10.64000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33807033 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | 33824251 | xxxxxx | 07/02/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839347 | xxxxxx | 33806782 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception due to comparables provided are > 5 miles away, xxxxxx influence due to the distance of comps, and the subject is on xxxxxx acres. The subject also includes xxxxxx, the appraiser gave no value, and the appraiser did not inspect them. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-03): Client elects to waive with verified compensation factors |  |  | 07/03/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | 33807924 | xxxxxx | 07/03/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter is missing for $20,000 gift |  | Reviewer Comment (2025-07-08): Received Gift Letter in amount of $20,000. Exception cleared. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | 33807927 | xxxxxx | 07/03/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter is missing for $33,000 gift |  | Reviewer Comment (2025-07-08): Received Gift Letter in amount of $33,000. Exception cleared. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | 33807940 | xxxxxx | 07/03/2025 | 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. | Gift letters dated at or prior to closing are missing and both gift receipts are dated post-close. |  | Reviewer Comment (2025-07-08): Gift letters provided dated prior to closing | 07/08/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | 33807941 | xxxxxx | 07/03/2025 | 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. (Gift Funds/Gift Funds) | Gift letters dated at or prior to closing are missing and both gift receipts are dated post-close. |  | Reviewer Comment (2025-07-08): Gift letters provided dated prior to closing | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | 33807942 | xxxxxx | 07/03/2025 | 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. (Gift Funds/Gift Funds) | Gift letters dated at or prior to closing are missing and both gift receipts are dated post-close. |  | Reviewer Comment (2025-07-08): Gift letters provided dated prior to closing | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | 33807943 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Gift letters dated at or prior to closing are missing and both gift receipts are dated post-close. |  | Reviewer Comment (2025-07-08): Gift letters provided dated prior to closing | 07/08/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | 33808504 | xxxxxx | 07/03/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Home Warranty Fee | Home Warranty policy reflects TBD for the payee |  | Reviewer Comment (2025-07-03): Payee not reflected |  |  | 07/03/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33807653 | xxxxxx | 07/03/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-07-03): The appraisal from the purchase of the property was used for LTV calculation and meets guideline requirements |  |  | 07/03/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33807821 | xxxxxx | 07/03/2025 | 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 xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) | 2024 personal and business returns not in file |  | Reviewer Comment (2025-07-03): Client elects to waive |  |  | 07/03/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33807855 | xxxxxx | 07/03/2025 | 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. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-07-10): xxxxxx received initial CD. | 07/10/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33808032 | xxxxxx | 07/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-08): Gap report provided | 07/08/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33808107 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Provide the payoffs for the debt paid through closing as is lesser balance was paid than reflected on the credit report xxxxxx. Credit report shows balance of $3,965 and payoff on CD is $3,953. |  | Reviewer Comment (2025-07-08): Gap report provided reflecting reduced balance. | 07/08/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33809534 | xxxxxx | 07/03/2025 | 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 $231.50 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834468 | xxxxxx | 07/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.15612% exceeds Guideline total debt ratio of 50.00000%. | DTI exceed max allowed |  | Reviewer Comment (2025-07-16): Year end paystub for 2023 provided with RSU income breakdown. Updated income to 2 year average. DTI is within guidelines now.<br>Reviewer Comment (2025-07-15): The lender attestation is not acceptable. Per investor guidelines, qualifying income is 2 year average of income. RSU breakdown for 2023 not provided. 2025 and 2024 year end paystub provide. Guidelines do not state a combination of documents are allowed for RSU.<br>Reviewer Comment (2025-07-08): Qualifying income per documents in file. W2: Base income $12,845.73, Bonus Income $1,459.42 and RSU income $712.73. SE income $927.75. | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834489 | xxxxxx | 07/03/2025 | 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. | Due to missing income documents and excessive DTI |  | Reviewer Comment (2025-07-16): Year end paystub for 2023 provided with RSU income breakdown. Updated income to 2 year average. DTI is within guidelines now and RSU requirements met.<br>Reviewer Comment (2025-07-15): The lender attestation is not acceptable. Per investor guidelines, qualifying income is 2 year average of income. RSU breakdown for 2023 not provided. 2025 and 2024 year end paystub provide. Guidelines do not state a combination of documents are allowed for RSU.<br>Reviewer Comment (2025-07-08): Qualifying income per documents in file. W2: Base income $12,845.73, Bonus Income $1,459.42 and RSU income $712.73. SE income $927.75. | 07/16/2025 |  |  | 1 B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834490 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Restricted Stock Units (RSU) Income | Ability to Repay (Dodd-Frank 2014): Use of Restricted Stock Units (RSU) income requirements not met. (xxxxxx/Restricted Stock Units (RSU)) | None of the requirements in section 2.7.5.4.15 in the guidelines were met for use of RSU income. |  | Reviewer Comment (2025-07-16): Year end paystub for 2023 provided with RSU income breakdown which meets guideline requirements.<br>Reviewer Comment (2025-07-15): The lender attestation is not acceptable. Loan was reviewed to investor's 4.2025 guidelines in which all of the requirements under 2.7.5.4.1.5 were not met. xxxxxx guidelines are not applicable to investor guidelines. These are all requirement for use of restricted stock income. Review comments on xxxxxx regarding pending item: Pending receipt of breakdown of RSU income as a 2 year average is required to qualify. Per guidelines a W2 is not acceptable. Acceptable docs are 2 years of tax returns reflecting RSU, year end pay stubs reflecting RSU or employer statement paired with a brokerage or bank statement showing the transfer of share or funds that include the date of the payout and number of vested shares and their cash equivalent distributed to the borrower. Guidelines do not state a combo of the two are allowed.<br>Reviewer Comment (2025-07-10): Received 2023 W2, RSU agreement and evidence stock is publicly traded. In file is 2025, 2024 paystubs, 2024 W2 and 2023 tax returns. Pending receipt of breakdown of RSU income as a 2 year average is required to qualify. Per guidelines a W2 is not acceptable. Acceptable docs are 2 years of tax returns reflecting RSU, year end pay stubs reflecting RSU or employer statement paired with a brokerage or bank statement showing the transfer of share or funds that include the date of the payout and number of vested shares and their cash equivalent distributed to the borrower.<br>Reviewer Comment (2025-07-08): This condition does not pertain to excessive DTI but missing missing documents for use of RSU income per guidelines. See investor guidelines section 2.7.5.4.15 for all requirements. | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834491 | xxxxxx | 07/03/2025 | 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. | Due to missing income documents and excessive DTI |  | Reviewer Comment (2025-07-16): Year end paystub for 2023 provided with RSU income breakdown. Updated income to 2 year average. DTI is within guidelines now and RSU requirements met.<br>Reviewer Comment (2025-07-08): Qualifying income per documents in file. W2: Base income $12,845.73, Bonus Income $1,459.42 and RSU income $712.73. SE income $927.75. | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834492 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.15612% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceed max of 50% |  | Reviewer Comment (2025-07-16): Year end paystub for 2023 provided with RSU income breakdown. Updated income to 2 year average. DTI is within guidelines now and RSU requirements met.<br>Reviewer Comment (2025-07-15): The lender attestation is not acceptable. Per investor guidelines, qualifying income is 2 year average of income. RSU breakdown for 2023 not provided. 2025 and 2024 year end paystub provide. Guidelines do not state a combination of documents are allowed for RSU.<br>Reviewer Comment (2025-07-08): Qualifying income per documents in file. W2: Base income $12,845.73, Bonus Income $1,459.42 and RSU income $712.73. SE income $927.75. | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834493 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing income documents and excessive DTI |  | Reviewer Comment (2025-07-16): Year end paystub for 2023 provided with RSU income breakdown. Updated income to 2 year average. DTI is within guidelines now and RSU requirements met. | 07/16/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834635 | xxxxxx | 07/03/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided from prior transaction. Lender/Client differs from note. Appraisal is not acceptable. Sec ID: 99 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-07-08): Appraisal transfer letter provided | 07/08/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33834642 | xxxxxx | 07/03/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter not provided | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-07-08): Transfer letter provided | 07/08/2025 |  |  | 1 B A | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | 33950792 | xxxxxx | 07/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: 49 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-07-16): CU score of 2.4 provided | 07/16/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33806611 | xxxxxx | 07/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-08): FTP provided | 07/08/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33806613 | xxxxxx | 07/03/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-07-08): FTP provided | 07/08/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33806621 | xxxxxx | 07/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx 1040 (2023), 1120S (2023), K-1 (2023)<br> 1040 (2023), 1120S (2023), K-1 (2023) | The loan is approved with 2 years full docs. However, the file is missing 1040's, 1120S, and K-1 for the year 2023 for both borrowers business. |  | Reviewer Comment (2025-07-18): Per client, re-review to 1 year full doc. 2023 returns and K-1 no longer required.<br>Reviewer Comment (2025-07-08): The 1008 and LOE do not clear this condition. The investor submitted this loan to be reviewed to 2 years full doc. If this loan requires a re-underwrite to a different doc type, this will need to come from the investor. | 07/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33806673 | xxxxxx | 07/03/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Received Appraisal Transfer Letter reflects xxxxxx transferring appraisal to xxxxxx. However, Appraisal reflects lender name as xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33806999 | xxxxxx | 07/03/2025 | 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. | The loan is approved with 2 years full docs. However, the file is missing 1040's, 1120S, and K-1 for the year 2023 for both borrowers business. |  | Reviewer Comment (2025-07-18): Per client, re-review to 1 year full doc. 2023 returns and K-1 no longer required.<br>Reviewer Comment (2025-07-08): The 1008 and LOE do not clear this condition. The investor submitted this loan to be reviewed to 2 years full doc. If this loan requires a re-underwrite to a different doc type, this will need to come from the investor. | 07/18/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33807000 | xxxxxx | 07/03/2025 | 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. | The loan is approved with 2 years full docs. However, the file is missing 1040's, 1120S, and K-1 for the year 2023 for both borrowers business. |  | Reviewer Comment (2025-07-18): Per client, re-review to 1 year full doc. 2023 returns and K-1 no longer required.<br>Reviewer Comment (2025-07-08): The 1008 and LOE do not clear this condition. The investor submitted this loan to be reviewed to 2 years full doc. If this loan requires a re-underwrite to a different doc type, this will need to come from the investor. | 07/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33835530 | xxxxxx | 07/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-07-08): Gap report provided | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33835613 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title: City reflects xxxxxx. |  | Reviewer Comment (2025-07-08): FTP provided | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | 33835621 | xxxxxx | 07/03/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Only billing invoice provided |  | Reviewer Comment (2025-07-08): Received Hazard Insurance Policy. Exception cleared. | 07/08/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | 33816811 | xxxxxx | 07/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Please provide document to verify borrower's primary residence located in xxxxxx is free and clear. |  | Reviewer Comment (2025-07-10): Evidence of free and clear provided | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | 33816885 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received borrower's business tax returns are not translated to English. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | 33816891 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is file to use xxxxxx tax returns. Investor must approve. Assigned to investor. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | 33816984 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | The Loan Estimated dated xxxxxx is signed by borrower on xxxxxx . Loan Estimate needs to provided at least four (4) business days prior to closing. |  | Reviewer Comment (2025-07-08): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 07/08/2025 | 3 C | C | C | C | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | 33817047 | xxxxxx | 07/03/2025 | 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 $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The Appraisal Desk Review Fee was not disclosed on the initial Loan Estimate however it was charged $90.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-07-10): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 07/10/2025 | 3 C | C | C | C | xxxxxx | xxxxxx | Second Home | 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 | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | 33818589 | xxxxxx | 07/03/2025 | 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 $630.00 exceeds tolerance of $590.00. Insufficient or no cure was provided to the borrower. (7506) | Appraisal fee increased from $590.00 to $630.00 without a valid COC in file and no cure provided to Borrower |  | Reviewer Comment (2025-07-10): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 07/10/2025 | 3 C | C | C | C | xxxxxx | xxxxxx | Second Home | 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 | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33811467 | xxxxxx | 07/07/2025 | 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 rate lock document. |  | Reviewer Comment (2025-07-03): Client elects to waive |  |  | 07/03/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33811476 | xxxxxx | 07/07/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.99 is less than Guideline PITIA months reserves of 6.00. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-21): Only the investor can elect to waive conditions with verified compensation factors. Please reach out to the investor to consider waiving.<br>Reviewer Comment (2025-07-14): The balance of $508,754.05 is as of xxxxxx . There is an updated account statement dated xxxxxx with a balance of $488,746.65. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-11): Received final closing statement that matches PC-CD which reflects a slight reduction in cash to close. However, borrower is still short reserves. New reserves count is 5.99. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-11): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 5.94 is less than Guideline PITIA months reserves of 6.00.<br>Reviewer Comment (2025-07-10): As previously noted on xxxxxx funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. Final CD total funds to close is $463,834.96. Verified assets including EMD and paid POCB fees (which cannot be used for reserves) is $555,496. Remaining $91,661.04 or 5.94 months reserves. There is a PC-CD in file which reflects a slight reduction in cash to close, however the final stamped settlement statement was not provided to support.<br>Reviewer Comment (2025-07-09): The condition cannot be waive. As noted in the comments and the guidelines, minimum 6 months reserves are required. The loan file has 5.94 months reserves. Cash to closed is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final CD. |  |  | 07/22/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33811483 | xxxxxx | 07/07/2025 | 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. | The reserves requirement is not met. |  | Reviewer Comment (2025-07-22): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-07-21): Only the investor can elect to waive conditions with verified compensation factors. Please reach out to the investor to consider waiving.<br>Reviewer Comment (2025-07-14): The balance of $508,754.05 is as of xxxxxx . There is an updated account statement dated xxxxxx with a balance of $488,746.65. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-11): Received final closing statement that matches PC-CD which reflects a slight reduction in cash to close. However, borrower is still short reserves. New reserves count is 5.99. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-10): As previously noted on xxxxxx funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. Final CD total funds to close is $463,834.96. Verified assets including EMD and paid POCB fees (which cannot be used for reserves) is $555,496. Remaining $91,661.04 or 5.94 months reserves. There is a PC-CD in file which reflects a slight reduction in cash to close, however the final stamped settlement statement was not provided to support.<br>Reviewer Comment (2025-07-09): The condition cannot be waive. As noted in the comments and the guidelines, minimum 6 months reserves are required. The loan file has 5.94 months reserves. Cash to closed is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final CD. | 07/22/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33811488 | xxxxxx | 07/07/2025 | 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. | The reserves requirement is not met. |  | Reviewer Comment (2025-07-22): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-07-21): Only the investor can elect to waive conditions with verified compensation factors. Please reach out to the investor to consider waiving.<br>Reviewer Comment (2025-07-14): The balance of $508,754.05 is as of xxxxxx . There is an updated account statement dated xxxxxx with a balance of $488,746.65. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-11): Received final closing statement that matches PC-CD which reflects a slight reduction in cash to close. However, borrower is still short reserves. New reserves count is 5.99. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-10): As previously noted on xxxxxx funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. Final CD total funds to close is $463,834.96. Verified assets including EMD and paid POCB fees (which cannot be used for reserves) is $555,496. Remaining $91,661.04 or 5.94 months reserves. There is a PC-CD in file which reflects a slight reduction in cash to close, however the final stamped settlement statement was not provided to support.<br>Reviewer Comment (2025-07-09): The condition cannot be waive. As noted in the comments and the guidelines, minimum 6 months reserves are required. The loan file has 5.94 months reserves. Cash to closed is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final CD. | 07/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33814666 | xxxxxx | 07/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business asset in file does not have reflect the name of the business for xxxxxx, so unable to determine borrower's access to the funds. |  | Reviewer Comment (2025-07-09): VOD provided with name of account holder. In the name of an LLC. | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33814673 | xxxxxx | 07/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Business asset in file does not have reflect the name of the business for xxxxxx, so unable to determine borrower's access to the funds. Accounted needed for closing/reserves. |  | Reviewer Comment (2025-07-24): Received CPA Letter to verify borrower is 100% owner of the business. Exception cleared.<br>Reviewer Comment (2025-07-09): The VOD does not clear this condition. The VOD provided reflects the lien holder as xxxxxx. The CPA and business verified is xxxxxx. No evidence provided these are one in the same. | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33815476 | xxxxxx | 07/07/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall of $576.15. RCE in file, but there is still a shortfall. |  | Reviewer Comment (2025-07-24): Received updated HOI policy. Exception cleared.<br>Reviewer Comment (2025-07-21): The later dated policy effective at time of disbursement for dry state xxxxxx dated xxxxxx does not have the extended replacement cost of 25%. Evidence will need to be provided as to which is the correct and accurate policy form the agent. The one with ext replacement cost has an earlier effective date of xxxxxx with the same policy number, insurer, etc | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | 33836243 | xxxxxx | 07/07/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. LOE provided just states no license is required for nature of business. Does not give any details about the business as required per guidelines. |  | Reviewer Comment (2025-07-11): Additional LOE provided on nature of business<br>Reviewer Comment (2025-07-10): There is no LOE on nature of business as indicated in previous comments. The only LOE provided states "No license needed for the type of business I do."<br>Reviewer Comment (2025-07-08): Please review the condition which indicates what the issue with the current LOE is. LOE provided just states no license is required for nature of business. Does not give any details about the business as required per guidelines. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807702 | xxxxxx | 07/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of Seller, xxxxxx. |  | Reviewer Comment (2025-07-11): Received Fraud and OFAC searches run on authorized signor of Seller, xxxxxx. Exception cleared. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807711 | xxxxxx | 07/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of the $75,000 gift funds. |  | Reviewer Comment (2025-07-11): Wire provided<br>Reviewer Comment (2025-07-10): The gift letter was provided again. Provide evidence of receipt of the $75,000 gift.<br>Reviewer Comment (2025-07-09): The gift letter and receipt provided is for $500. The condition reflects evidence of receipt of the $75,000 gift is required. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807767 | xxxxxx | 07/07/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | VVOE not provided within 10 business days of closing. |  | Reviewer Comment (2025-07-09): VVOE provided dated within 10 business days of closing | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807794 | xxxxxx | 07/07/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.36762% or Final Disclosure APR of 8.40200% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-07-16): Attestation provided by lender's compliance department that they are open for full business operations on Saturday. Saturday included in timing re-testing.<br>Reviewer Comment (2025-07-15): As noted on 7/11, the attestation must come from from the lender's compliance department. Further, the attestation must note that lender is open for full business operations on Saturday (not just open to the public).<br>Reviewer Comment (2025-07-11): The delivery provided is dated xxxxxx The completion date of appraisal is xxxxxx An appraisal cannot be delivered prior to it's completion. Further, if the lender is open for full business operations on Saturday, an attestation to that fact must be provided from the lender's compliance department.<br>Reviewer Comment (2025-07-10): No new documents received for this condition. Please provide evidence of appraisal delivery. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807796 | xxxxxx | 07/07/2025 | 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. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-07-16): Attestation provided by lender's compliance department that they are open for full business operations on Saturday. Saturday included in timing re-testing.<br>Reviewer Comment (2025-07-15): As noted on 7/11, the attestation must come from from the lender's compliance department. Further, the attestation must note that lender is open for full business operations on Saturday (not just open to the public).<br>Reviewer Comment (2025-07-11): The delivery provided is dated xxxxxx The completion date of appraisal is xxxxxx An appraisal cannot be delivered prior to it's completion. Further, if the lender is open for full business operations on Saturday, an attestation to that fact must be provided from the lender's compliance department.<br>Reviewer Comment (2025-07-10): No new documents received for this condition. Please provide evidence of appraisal delivery. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807833 | xxxxxx | 07/07/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.90 is less than Guideline PITIA months reserves of 4.00. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-16): The accounts in the Seller's comments on xxxxxx were already included for $447.60 and $40,070.12. The borrower does not have sufficient reserves. Please review the comments on xxxxxx which reflect a breakdown of figures. As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-15): Per the VOD dated xxxxxx the ending balance is not $4,143. The current balance is $447.60 per the VOD. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-11): Please review comments from xxxxxx with all figures provided. The $500 gift was already included in this. As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves.<br>Reviewer Comment (2025-07-10): As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves.<br>Reviewer Comment (2025-07-09): The gift letter and receipt provided is for $500. Borrower is still short reserves. New reserves 3.90. Cash to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031.<br>Reviewer Comment (2025-07-09): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 3.77 is less than Guideline PITIA months reserves of 4.00. |  |  | 07/17/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807870 | xxxxxx | 07/07/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-17): Client designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-07-16): The accounts in the Seller's comments on xxxxxx were already included for $447.60 and $40,070.12. The borrower does not have sufficient reserves. Please review the comments on xxxxxx which reflect a breakdown of figures. As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-15): Per the VOD dated xxxxxx the ending balance is not $4,143. The current balance is $447.60 per the VOD. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-11): As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves.<br>Reviewer Comment (2025-07-10): As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves.<br>Reviewer Comment (2025-07-09): The gift letter and receipt provided is for $500. Borrower is still short reserves. New reserves 3.90. Cash to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031. | 07/17/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | 33807872 | xxxxxx | 07/07/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-17): Client designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-07-16): The accounts in the Seller's comments on xxxxxx were already included for $447.60 and $40,070.12. The borrower does not have sufficient reserves. Please review the comments on xxxxxx which reflect a breakdown of figures. As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-15): Per the VOD dated xxxxxx the ending balance is not $4,143. The current balance is $447.60 per the VOD. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-11): As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves.<br>Reviewer Comment (2025-07-10): As previously noted on xxxxxx cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD. Total cash to close required per the Final CD is xxxxxx. Total verified assets including gifts (which can be used for reserves per guidelines) and EMD (which cannot be used for reserves) is $131,017.72. Remaining $15,353.71 or 3.90 months reserves.<br>Reviewer Comment (2025-07-09): The gift letter and receipt provided is for $500. Borrower is still short reserves. New reserves 3.90. Cash to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031. | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841299 | xxxxxx | 33811565 | xxxxxx | 07/07/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.53 is less than Guideline PITIA months reserves of 4.00. | Insufficient reserves. |  | Reviewer Comment (2025-07-09): PC-CD provided to match Final Closing Statement which reflects a reduction in cash to close. Reserve requirements met.<br>Reviewer Comment (2025-07-08): The Final SS provided reflects a reduction in cash to close, however the corrected PC-CD must also be provided to reflect the correct figures charged at closing per the final SS. | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841299 | xxxxxx | 33811571 | xxxxxx | 07/07/2025 | 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. | Insufficient reserves. |  | Reviewer Comment (2025-07-09): PC-CD provided to match Final Closing Statement which reflects a reduction in cash to close. Reserve requirements met.<br>Reviewer Comment (2025-07-08): The Final SS provided reflects a reduction in cash to close, however the corrected PC-CD must also be provided to reflect the correct figures charged at closing per the final SS. | 07/09/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841299 | xxxxxx | 33811572 | xxxxxx | 07/07/2025 | 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. | Insufficient reserves. |  | Reviewer Comment (2025-07-09): PC-CD provided to match Final Closing Statement which reflects a reduction in cash to close. Reserve requirements met.<br>Reviewer Comment (2025-07-08): The Final SS provided reflects a reduction in cash to close, however the corrected PC-CD must also be provided to reflect the correct figures charged at closing per the final SS. | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841299 | xxxxxx | 33836831 | xxxxxx | 07/07/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | If landlord is not an institution but a private party, 6 months cancelled checks or bank statements are required to support payment history. xxxxxx or other cash<br> exchange apps are allowed if it evidences clear lender/landlord on statements. |  | Reviewer Comment (2025-07-11): Received 6 months payment history. Exception cleared.<br>Reviewer Comment (2025-07-09): The condition cannot be waived. The VOR reflects landlord name as xxxxxx and VOR completed by xxxxxx. Unless it can be provide these individuals are part of a property management company, considered private. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841555 | xxxxxx | 33812178 | xxxxxx | 07/07/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 95.00000% exceeds Guideline loan to value percentage of 90.00000%. | Max per investor guidelines | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors |  |  | 07/08/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841555 | xxxxxx | 33837635 | xxxxxx | 07/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The AUS is dated post-close. Provide the pre-close AUS. |  | Reviewer Comment (2025-07-22): Received pre-closed AUS. Exception cleared. | 07/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838672 | xxxxxx | 33817517 | xxxxxx | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - The Work Number is used in place of Form 1005. Written Verification of Employment form (xxxxxx Form 1005) completed by the employer must be obtained and analyzed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-05): Client elects to waive with verified compensation factors |  |  | 07/05/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838672 | xxxxxx | 33818039 | xxxxxx | 07/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6: Unit number is missing |  | Reviewer Comment (2025-07-09): Updated HO6 provided | 07/09/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838672 | xxxxxx | 33818057 | xxxxxx | 07/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. authorized signor for seller, xxxxxx, was not included. |  | Reviewer Comment (2025-07-11): Received Fraud and OFAC search run on authorized signor for seller, xxxxxx. Exception cleared. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839338 | xxxxxx | 33824369 | xxxxxx | 07/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Total Estimate of Cost new provided on Appraisal report is xxxxxx, however dwelling coverage is xxxxxx. There is a short fall in amount of xxxxxx. There is an RCE in file, however does not have property address/policy number to verify for which property it belongs to nor does the policy code at the bottom of the document match the HOI policy. |  | Reviewer Comment (2025-07-21): All pages of the RCE provided with address | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839338 | xxxxxx | 33824501 | xxxxxx | 07/08/2025 | 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. (Final xxxxxx) | The file is missing evidence of initial Closing Disclosure. |  | Reviewer Comment (2025-07-15): xxxxxx received CD dated xxxxxx  | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839338 | xxxxxx | 33824502 | xxxxxx | 07/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,492.24 exceeds tolerance of $-4,660.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credit decreased from $4,660.00 on the initial Loan Estimate to $4,492.24 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-07-21): xxxxxx received COC dated xxxxxx .<br>Reviewer Comment (2025-07-15): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the lender credit was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason credit decreased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839338 | xxxxxx | 33824505 | xxxxxx | 07/08/2025 | 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 $180.00 exceeds tolerance of $157.00 plus 10% or $172.70. Insufficient or no cure was provided to the borrower. xxxxxx | The Recording Fee increased from $157.00 on the initial Loan Estimate to $180.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-07-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-07-15): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839338 | xxxxxx | 33986299 | xxxxxx | 07/21/2025 | 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 $180.00 exceeds tolerance of $157.00 plus 10% or $172.70. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-07-21): Sufficient Cure Provided At Closing |  | 07/21/2025 |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839864 | xxxxxx | 33829167 | xxxxxx | 07/08/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-17): Updated title with email title correspondence noting updates provided | 07/17/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839864 | xxxxxx | 33829168 | xxxxxx | 07/08/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal: xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-17): No new documents received for the appraisal correction. Please try uploading again. |  |  | 07/18/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839864 | xxxxxx | 33844996 | xxxxxx | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx |  | Reviewer Comment (2025-07-17): Updated title with email title correspondence noting updates provided | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 838683 | xxxxxx | 33829169 | xxxxxx | 07/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-07-16): Received UDM dated xxxxxx . Exception cleared. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840772 | xxxxxx | 33827190 | xxxxxx | 07/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-07-11): Gap report provided<br>Reviewer Comment (2025-07-11): The order date is the timing for credit reports which is 5.23.2025 and greater than 30 days prior to closing. Provide the gap report dated within 30 days or anytime after. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840772 | xxxxxx | 33845144 | xxxxxx | 07/09/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. Coverage must be at minimum 80% of the insured value. Estimated cost new not on appraisal. |  | Reviewer Comment (2025-07-21): Updated HOI and RCE provided<br>Reviewer Comment (2025-07-16): The HOI provided is not for the subject property<br>Reviewer Comment (2025-07-14): Please review comments from xxxxxx The 4/2025 guidelines do not allow coverage of the loan amount. The guidelines only allow coverage of the loan amount granted it covers 80% of the insured value. Provide the RCE as the estimated cost new was not provided on the appraisal.<br>Reviewer Comment (2025-07-11): The same policy was provided that was in file at time of review. Please review the original comments. The guidelines only allow coverage of the loan amount granted it covers 80% of the insured value. Provide the RCE. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839910 | xxxxxx | 33829081 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The page 4 of Final CD / Post CD is incomplete as the loan 'will have an escrow account' is not completed. There is no check box on 'you declined' or 'your lender does not offer'. |  | Reviewer Comment (2025-07-11): xxxxxx received Letter of Explanation & Corrected Closing Disclosure. |  | 07/11/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839910 | xxxxxx | 33829084 | xxxxxx | 07/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-11): Received Final Title policy. Exception cleared. | 07/11/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839910 | xxxxxx | 33829089 | xxxxxx | 07/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-11): Received Final Title policy. Exception cleared. | 07/11/2025 |  |  | 1 B A | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841879 | xxxxxx | 33826980 | xxxxxx | 07/09/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal transfer letter not provided and copy of invoice. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-06): Client elects to waive with verified compensation factors |  |  | 07/06/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840701 | xxxxxx | 33828555 | xxxxxx | 07/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-11): Received Undisclosed Debt Monitoring (UDM) report. Exception cleared. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840701 | xxxxxx | 33860862 | xxxxxx | 07/09/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.74697% or Final Disclosure APR of 8.76500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.84000 + 1.75%, or 8.59000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-07-10): Client elects to waive |  |  | 07/10/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | 33850417 | xxxxxx | 07/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-15): Received Credit Report - Gap. Exception cleared. | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | 33860989 | xxxxxx | 07/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx EA license verification | P&L program requires preparer's license verification. |  | Reviewer Comment (2025-07-10): EA license verification provided | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | 33860990 | xxxxxx | 07/09/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | HO6: Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  | Reviewer Comment (2025-07-14): Updated HO6 provided | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | 33860991 | xxxxxx | 07/09/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HO6: Missing ISAOA |  | Reviewer Comment (2025-07-15): Updated HO6 provided<br>Reviewer Comment (2025-07-14): The updated HO6 still does not reflect the ISAOA | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | 33861004 | xxxxxx | 07/09/2025 | 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. | Due to missing income documents |  | Reviewer Comment (2025-07-10): EA license verification provided | 07/10/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | 33861005 | xxxxxx | 07/09/2025 | 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. | Due to missing income documents |  | Reviewer Comment (2025-07-10): EA license verification provided | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840359 | xxxxxx | 33848721 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-07-11): Received Note - Senior Lien. Exception cleared. | 07/11/2025 |  |  | 1 D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840359 | xxxxxx | 33849707 | xxxxxx | 07/09/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal has city as xxxxxx and Note has xxxxxx. |  | Reviewer Comment (2025-07-14): Updated appraisal and CU provided | 07/14/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840359 | xxxxxx | 33849715 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840359 | xxxxxx | 33864494 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Per the NMLS, the LO's license was inactive from xxxxxx xxxxxx 25. The LO's license must be active from time of application through loan closing. Provide an attestation from the LO for review that reflects if any business was conducted on the loan during the inactive period. |  | Reviewer Comment (2025-07-16): Cleared based on attestation that LO did not conduction origination activity during time license was inactive.<br>Reviewer Comment (2025-07-14): An unexecuted LOE not on company letter head is not acceptable. | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840597 | xxxxxx | 33838572 | xxxxxx | 07/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-18): Received Final Title policy. Exception cleared. | 07/18/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840597 | xxxxxx | 33838573 | xxxxxx | 07/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-18): Received Final Title policy. Exception cleared. | 07/18/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840597 | xxxxxx | 33838575 | xxxxxx | 07/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Per Fraud report under loan registry search and 1003 in file, the borrower recently purchased another property at xxxxxx. Provide Final CD or first payment letter to verify the PITIA. |  | Reviewer Comment (2025-07-16): Received Final CD, Note, Insurance document to verify the PITIA of the property. Exception cleared. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840597 | xxxxxx | 33851250 | xxxxxx | 07/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to allow for property having a xxxxxx square foot addition to the house. Comments on page 8 of appraisal. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840597 | xxxxxx | 33851395 | xxxxxx | 07/09/2025 | 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 xxxxxx) | 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. |  |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840758 | xxxxxx | 33835950 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.31342% or Final Disclosure APR of 10.35900% is equal to or greater than the threshold of APOR 6.89% + 1.5%, or 8.39000%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal delivery in file dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received dated is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-07-21): Email from borrower stating what date appraisal was received.<br>Reviewer Comment (2025-07-16): The same document was provided that was in file at time of review. Please review the original condition comments. Appraisal delivery in file dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received dated is xxxxxx which is not within 3 business days prior to closing. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840758 | xxxxxx | 33835953 | xxxxxx | 07/09/2025 | 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. (Type:Primary xxxxxx | Appraisal delivery in file dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received dated is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-07-21): Email from borrower stating what date appraisal was received.<br>Reviewer Comment (2025-07-16): The same document was provided that was in file at time of review. Please review the original condition comments. Appraisal delivery in file dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received dated is xxxxxx which is not within 3 business days prior to closing. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840758 | xxxxxx | 33835985 | xxxxxx | 07/09/2025 | 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 Credit Report Fee. Fee Amount of $158.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $158.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-07-17): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-16): xxxxxx Received Corrected LOE, Copy of refund Check, Proof of Mailing; however, CD is dated xxxxxx which is same date as Final CD. Provide corrected PCCD dated after Final CD.<br>Reviewer Comment (2025-07-14): xxxxxx received payment request letter but cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Please provide cure docs for remediation. |  | 07/17/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 840758 | xxxxxx | 33852033 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-07-15): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840237 | xxxxxx | 33845141 | xxxxxx | 07/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for the subject property does not appear on credit. Per investor overlays, provide a copy of the Note or Mortgage statement along with 6 months borrower pay history. Creditor Pay history and Payoff provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-07-25): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-23): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-07-21): Received VOM and Note. Proof of borrower's payment for the most recent 6-months is required. Exception remains. |  |  | 07/25/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 841605 | xxxxxx | 33838657 | xxxxxx | 07/09/2025 | 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. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-07-17): PDI provided dated 7.10.2025: No damage | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | 33838682 | xxxxxx | 07/09/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Must support $203.96 monthly for the first 10 years as listed on the Final 1003. |  | Reviewer Comment (2025-07-14): Received PMI for subject property. Exception cleared. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | 33838765 | xxxxxx | 07/09/2025 | 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 xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) | 2022 personal and business returns only provided. |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | 33838801 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 reflects an escrow account was established, however page 2 does not. |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | 33838802 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 reflects an escrow account was established, however page 2 does not. |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | 33862587 | xxxxxx | 07/09/2025 | 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 Verification Of Employment Fee. Fee Amount of $52.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7571) | The COC only states fee was added. Does not give a sufficient reason as to why fee was added or when it was discovered fee was needed. |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | 33862623 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $964,870.36 is over disclosed by $458.00 compared to the calculated Amount Financed of $964,412.36 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $964,870.36 is over disclosed by $458.00 compared to the calculated Amount Financed of $964,412.36 |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | 33862624 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,432,013.75 is under disclosed by $458.00 compared to the calculated Finance Charge of $1,432,471.75 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $1,432,013.75 is under disclosed by $458.00 compared to the calculated Finance Charge of $1,432,471.75 |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841604 | xxxxxx | 33838938 | xxxxxx | 07/09/2025 | 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 Credit Report Fee. Fee Amount of $127.67 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841604 | xxxxxx | 33838939 | xxxxxx | 07/09/2025 | 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 $2,825.00 exceeds tolerance of $2,803.00. Insufficient or no cure was provided to the borrower. (8304) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841604 | xxxxxx | 33839064 | xxxxxx | 07/09/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx |  |  | Reviewer Comment (2025-07-16): VVOE provided<br>Reviewer Comment (2025-07-10): The VVOE referenced in the comments on xxxxxx is for the secondary job with xxxxxx. This is for the job with xxxxxx. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841604 | xxxxxx | 33853770 | xxxxxx | 07/09/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 95.00000% exceeds Guideline loan to value percentage of 90.00000%. | Max per investor guidelines. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838313 | xxxxxx | 33837190 | xxxxxx | 07/09/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-11): Updated title provided | 07/11/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838313 | xxxxxx | 33837240 | xxxxxx | 07/09/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-11): Received E-sign Consent Agreement. Exception cleared. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838313 | xxxxxx | 33837290 | xxxxxx | 07/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br>• Any new tradeline with a balance must be included in determining the DTI ratio. |  | Reviewer Comment (2025-07-14): Received Credit refresh report dated xxxxxx . Exception cleared. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838313 | xxxxxx | 33920700 | xxxxxx | 07/14/2025 | 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: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-07-17): Client elects to waive. 442 provided dated 7.15.2025: No Damage<br>Reviewer Comment (2025-07-16): The document provided is a 442 for construction and does not reference the disaster. |  |  | 07/17/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839705 | xxxxxx | 33839245 | xxxxxx | 07/09/2025 | 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 $1,125.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-07-03): Sufficient Cure Provided At Closing |  | 07/03/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840054 | xxxxxx | 33840952 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the 1008 with UW name or Lender's Approval with conditions. |  | Reviewer Comment (2025-07-10): Approval provided | 07/10/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840054 | xxxxxx | 33840974 | xxxxxx | 07/09/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 11.50669% or Final Disclosure APR of 11.53500% is equal to or greater than the threshold of APOR 6.88% + 3.5%, or 10.38000% Compliant Higher Priced Loan. |  |  | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33841681 | xxxxxx | 07/09/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-07-08): Client elect to waive |  |  | 07/08/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33841768 | xxxxxx | 07/09/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx |  |  | Reviewer Comment (2025-07-10): TWN was provided | 07/10/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33841788 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive |  |  | 07/08/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33841880 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Neither box, declined or lender does not offer, were not checked. |  | Reviewer Comment (2025-07-16): xxxxxx Received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-14): xxxxxx received Post Closing Disclosure did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br>Reviewer Comment (2025-07-11): SitusMAC received PCCD but the page #4 is still incorrect. Escrow Reason not selected. Please provide corrected PCCD and LOE to cure. |  | 07/16/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33841881 | xxxxxx | 07/09/2025 | 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 xxxxxx 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 xxxxxx) |  |  | Reviewer Comment (2025-07-11): xxxxxx received earliest e-consent dated xxxxxx . | 07/11/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33841891 | xxxxxx | 07/09/2025 | 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 $1,772.25 exceeds tolerance of $1,332.00 plus 10% or $1,465.20. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2025-07-11): xxxxxx received COC dated xxxxxx . | 07/11/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33862316 | xxxxxx | 07/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-10): Gap provided | 07/10/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33864709 | xxxxxx | 07/09/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 not provided / signed and dated by xxxxxx. Utilized application date listed on fraud report. |  | Reviewer Comment (2025-07-08): Client elect to waive |  |  | 07/08/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33864805 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert - Refinance only not checked. |  | Reviewer Comment (2025-07-10): Updated occupancy cert provided | 07/10/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | 33899288 | xxxxxx | 07/11/2025 | 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 $832.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $832.00 exceeds tolerance of $0.00 |  | Reviewer Comment (2025-07-16): xxxxxx Received Valid COC dated xxxxxx .<br>Reviewer Comment (2025-07-14): xxxxxx received COC dated xxxxxx however the fee increased on LE dated xxxxxx for $832.Kindly provide a valid COC for the fee increased or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 07/16/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 835323 | xxxxxx | 33863003 | xxxxxx | 07/09/2025 | 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 Rate Lock Fee. Fee Amount of $534.38 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7335) |  |  | Reviewer Comment (2025-07-08): Sufficient Cure Provided At Closing |  | 07/08/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835323 | xxxxxx | 33863062 | xxxxxx | 07/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-07-11): xxxxxx acres per updated document provided. Tax cert reflects xxxxxx. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835323 | xxxxxx | 33863067 | xxxxxx | 07/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence of free and clear. |  | Reviewer Comment (2025-07-10): Evidence of free and clear provided | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835323 | xxxxxx | 33863114 | xxxxxx | 07/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-10): UDM provided | 07/10/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835323 | xxxxxx | 33864032 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). If tested as primary residence, loan exceeds one or more high cost thresholds. | Initial 1003 reflects primary and dec page reflects intent to occupy. Provide attestation on error or events of change. |  | Reviewer Comment (2025-07-11): Lender attestation provided regarding series of events and attesting final designation as second home which matches final CD<br>Reviewer Comment (2025-07-10): The COC provided reflects change from investment to second home. The initial 1003 provided reflects primary and dec page intent to occupy. Provide the attestation on error. | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841178 | xxxxxx | 33874845 | xxxxxx | 07/10/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | LOE in file which reflects property on xxxxxx is owned by the borrower and is a mobile home for their mother in law. Stated financing statement was attached but not found in file. Provide the financing statement as well as updated 1003/1008 adding the debt to the ratios. |  | Reviewer Comment (2025-07-14): Updated 1003/1008, mortgage statement with taxes escrowed and HOI provided. History is on credit. | 07/14/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840606 | xxxxxx | 33842524 | xxxxxx | 07/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-07-11): Gap report provided | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840606 | xxxxxx | 33863620 | xxxxxx | 07/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Final stamped or executed sellers closing statement for departing residence on xxxxxx not provided. Esimate only in file. |  | Reviewer Comment (2025-07-11): Final closing statement provided | 07/11/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | 33842670 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a xxxxxx/xxxxxx form and does not contain the standard Due on Sale clause. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-09): Client elects to waive |  |  | 07/09/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | 33864080 | xxxxxx | 07/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide the mortgage statement to verify taxes and insurance are escrowed. If not, provide the HOI. |  | Reviewer Comment (2025-07-14): Received Final CD, Note and HOI Policy to verify the PITIA for the property. Exception cleared. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | 33864090 | xxxxxx | 07/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide the mortgage statement to verify taxes and insurance are escrowed. If not, provide the HOI. |  | Reviewer Comment (2025-07-14): Received Final CD, Note and HOI policy to verify the PITIA for the property. Exception cleared. | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | 33864096 | xxxxxx | 07/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement, Other, Statement | 1) Per LOE, this is a new purchase. Provide evidence of PITIA via Final CD or First Payment Letter 2) Provide the lease agreement for use of rental income and 3) Provide the 1007 or rent + security deposit for use of rental income |  | Reviewer Comment (2025-07-22): Received 1007. Exception cleared.<br>Reviewer Comment (2025-07-18): Received Lease agreement. Provide the 1007 or rent + security deposit for use of rental income. Exception remains.<br>Reviewer Comment (2025-07-14): Received Final Closing Statement, Note and HOI Policy. 1.Provide the lease agreement for use of rental income. 2. Provide the 1007 or rent + security deposit for use of rental income. Exception remains. | 07/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | 33877603 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | PPP addendum to the Note does not reflect the Trust, only individual. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-09): Client elects to waive |  |  | 07/09/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835251 | xxxxxx | 33823047 | xxxxxx | 05/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Request Exception for xxxxxx Units less than 600 sq Ft | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-05-01): Client elects to waive with compensating factors. |  |  | 05/01/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 835251 | xxxxxx | 33823048 | xxxxxx | 05/01/2025 | Credit | Guideline | Guideline Issue | Guideline | Interest Only period does not meet the guideline requirements. | Interest Only Period: 359. | The note indicates the IO term is for 360 months along with a balloon payment disclosure, however there is additional indications in the file that the IO period is for 120 months. Please provide clarification and possible corrected note. |  | Reviewer Comment (2025-05-05): Provided corrective addendum which states interest only period is 120 days. Exception cleared. | 05/05/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839769 | xxxxxx | 33874577 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx Vs. xxxxxx. |  | Reviewer Comment (2025-07-16): Later dated updated title provided | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839769 | xxxxxx | 33874650 | xxxxxx | 07/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.88 is less than Guideline PITIA months reserves of 6.00. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-16): Client elects to waive with verified compensation factors |  |  | 07/16/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839769 | xxxxxx | 33874666 | xxxxxx | 07/10/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-16): Loan designation updated to Non-QM. Condition no longer applies. | 07/16/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839769 | xxxxxx | 33874667 | xxxxxx | 07/10/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-16): Loan designation updated to Non-QM. Condition no longer applies. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840708 | xxxxxx | 33850968 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx did not disclose the Lender's NMLS ID number |  | Reviewer Comment (2025-07-16): xxxxxx received PCCD. |  | 07/16/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839913 | xxxxxx | 33855301 | xxxxxx | 07/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide a copy of Note, Final CD or first payment letter for the property at xxxxxx. This appears to be a new loan and 1008 for loan was provided only. |  | Reviewer Comment (2025-07-16): Received Note and Final Closing Disclosure to verify PITIA. Exception cleared. | 07/16/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839913 | xxxxxx | 33877928 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial 1003, dec page, reflects intent to occupy |  | Reviewer Comment (2025-07-09): Client elects to waive |  |  | 07/09/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839573 | xxxxxx | 33851189 | xxxxxx | 07/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): The client elects to waive. The LTV is calculated from two AVM values and meets guideline requirements |  |  | 07/10/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839573 | xxxxxx | 33851264 | xxxxxx | 07/10/2025 | 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 $84.00 exceeds tolerance of $43.00 plus 10% or $47.30. Sufficient or excess cure was provided to the borrower. xxxxxx | Lender Cure of $36.70 is reflecting on Post closed CD dated xxxxxx . |  | Reviewer Comment (2025-07-07): Sufficient Cure Provided within 60 Days of Closing |  | 07/07/2025 |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839573 | xxxxxx | 33851276 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Investor exception in file | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839573 | xxxxxx | 33886465 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  | Lender utilized $75/month, however evidence of amount was not provided. |  | Reviewer Comment (2025-07-11): Evidence of HOA dues provided | 07/11/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840686 | xxxxxx | 33860291 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for HOA questionnaire does not specify investment concentration. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840686 | xxxxxx | 33886689 | xxxxxx | 07/10/2025 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Engineering Report: The building is safe to inhabit however there are xxxxxx that are required. xxxxxx which included xxxxxx, xxxxxx and xxxxxx. The deterioration is a result of xxxxxx. The additional report also notes some items in xxxxxx. Investor to advise if they are accepting. |  | Reviewer Comment (2025-07-14): Per client email, they are not requiring any other xxxxxx noted in the report. Requested clearance.<br>Reviewer Comment (2025-07-14): The LOE from the HOA is for the xxxxxx. The additional report in file noted other times in fair to poor condition. Investor to advise if they are accepting as-is. | 07/14/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840983 | xxxxxx | 33887222 | xxxxxx | 07/10/2025 | 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 Mortgage Broker Fee. Fee Amount of $14,400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109) | COC states rate lock and LPC changed to BPC. Locking the rate would not change LPC to BPC. |  | Reviewer Comment (2025-07-14): xxxxxx received valid COC dated xxxxxx  | 07/14/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | 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 | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33853433 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,422.26 exceeds tolerance of $-1,478.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,422.26 exceeds tolerance of $-1,478.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-07-21): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-17): xxxxxx received LOE, copy of refund check. Missing PCCD. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-07-15): xxxxxx received rebuttal comment refund is required for reducing the lender credit. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  | 07/21/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33853434 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-09): Client elects to waive |  |  | 07/09/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33853435 | xxxxxx | 07/10/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-15): Received Short Form Policy. Exception cleared. | 07/15/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33853438 | xxxxxx | 07/10/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-15): Received Short Form Policy. Exception cleared. | 07/15/2025 |  |  | 1 B A | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33853449 | xxxxxx | 07/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-09): The client elects to waive. The LTV is calculated using a drive-by appraisal and an AVM and meets guideline requirements |  |  | 07/09/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33855158 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The provided occupancy certificate in file does not have the 'Refinance Only' section completed. Provide an updated occupancy certificate reflecting the 'Refinance Only' section completed. |  | Reviewer Comment (2025-07-17): Received corrected occupancy certificate. Exception cleared. | 07/17/2025 |  |  | 1 C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33878726 | xxxxxx | 07/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor exception in file for seasoning. Min of 6 months must pass before loan is eligible for new cash out loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-09): Client elects to waive with verified compensation factors |  |  | 07/09/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | 33878908 | xxxxxx | 07/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Second lien does not appear on credit report being paid through closing. Recent loan from xxxxxx . Payoff provided. Provide a copy of the Note or Mortgage Statement. |  | Reviewer Comment (2025-07-14): Received Note. Exception cleared. | 07/14/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33861259 | xxxxxx | 07/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 reflects subject property as Investment property within the REO section, however transaction is a Second Home. Provide the corrected 1003 to reflect the correct occupancy. |  | Reviewer Comment (2025-07-16): Updated 1003 provided | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33861263 | xxxxxx | 07/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-15): Received Credit Report - Gap. Exception cleared. | 07/15/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33861279 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-15): The document provided is a DOT ARM Ride for the senior lien which is not sufficient. The guidelines require a copy of the original lien senior note. |  |  | 07/28/2025 | 2 D B | D B | N/A | N/A D B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33861416 | xxxxxx | 07/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-11): The client elects to waive. The LTV is calculated using a drive-by appraisal and an AVM and meets guideline requirements |  |  | 07/11/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33861435 | xxxxxx | 07/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Borrower is purchasing new primary property located at xxxxxx in xxxxxx. Provide the Final CD or First Payment Letter to verify PITIA. |  | Reviewer Comment (2025-07-15): Received First Payment Letter to verify PITIA. Exception cleared. | 07/15/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33861608 | xxxxxx | 07/11/2025 | 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 $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The Collateral Desktop Analysis Fee was not disclosed on the initial Loan Estimate and was charged $10.00 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-07-30): xxxxxx Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-23): xxxxxx received rebuttal, however we require additional information on when lender became aware of the change as AVM is dated xxxxxx and 2055 is dated xxxxxx . Please provide additional supporting information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-07-17): xxxxxx received rebuttal. However, the Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Collateral Desktop fee was increased. 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>Reviewer Comment (2025-07-16): xxxxxx Final CD dated xxxxxx and PCCD xxxxxx does not reflect any cure amount under section J. PCCD dated xxxxxx reflects general lender credit of $552.50 and this cannot be considered as Cure amount. Provide Cure Docs. Cure Docs Consists of PCCD, LOE, Refund Check and Proof of Mailing. |  | 07/30/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33890537 | xxxxxx | 07/11/2025 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present, estimated consummation date used for testing purposes. Provide the notary page. |  | Reviewer Comment (2025-07-14): Notary page provided | 07/14/2025 |  |  | 1 B A | B A | N/A | N/A B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | 33905175 | xxxxxx | 07/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE |  | Reviewer Comment (2025-07-24): Per client email, accepting estimated cost new on the 2055E to support adequate coverage.<br>Reviewer Comment (2025-07-18): Condition is not invalid. There is no RCE in file and the AVM does not reflect the estimated cost new. | 07/24/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | 33861775 | xxxxxx | 07/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-07-15): Received Secondary appraisal. Exception cleared. | 07/15/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | 33861790 | xxxxxx | 07/11/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-15): Title supplement provided | 07/15/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | 33885799 | xxxxxx | 07/11/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | 2nd Appraisal required for loans > $2,000,000. 2nd apprasial is missing from the loan file. |  | Reviewer Comment (2025-07-15): Received Secondary appraisal. Exception cleared. | 07/15/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | 33886183 | xxxxxx | 07/11/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Notary Fee | Notary fee reflects TBD. Notary fee was removed on post closing CD. |  | Reviewer Comment (2025-07-10): Client elects to waive |  |  | 07/10/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | 33891510 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed from the LLC to the borrowers. |  | Reviewer Comment (2025-07-28): Recission period ended. Rescission re-opened.<br>Reviewer Comment (2025-07-24): Received new executed RTC forms re-opening rescission (which evidences delivery) along with LOE since deed executed is post-close. Condition cannot be cleared until after rescission period ends. Re-queue condition on xxxxxx <br>Reviewer Comment (2025-07-23): As noted on xxxxxx: The deed transferring the property back to the individuals is dated post-close. The condition cannot be cleared.<br>Reviewer Comment (2025-07-17): The deed transferring the property back to the individuals is dated post-close.<br>Reviewer Comment (2025-07-15): Please review the Security Instrument and the Note. The loan closed in individuals, not the LLC. Provide the deed transferring from the LLC to the individuals. If the loan was supposed to close under the LLC, then all documents are incorrect.<br>Reviewer Comment (2025-07-14): The condition cannot be waived and deed was not provided. Please review the original condition. Provide the deed from the LLC to the borrowers. The deed provided is from the borrower to the LLC and is dated xxxxxx. | 07/28/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | 33891583 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | Both RTC forms do not have the expiration date list. Re-opening of rescission is required. |  | Reviewer Comment (2025-07-28): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-07-24): Received new executed RTC forms re-opening rescission (which evidences delivery) along with LOE. Condition cannot be cured until after rescission period ends. Re-queue condition on xxxxxx <br>Reviewer Comment (2025-07-17): The LOE from the borrower is not acceptable. It is not in question when the forms were signed and dated but the expiration date that was omitted and added to the already signed forms.<br>Reviewer Comment (2025-07-16): A print date cannot be added to the already signed forms. If this was a new form signed on xxxxxx at the same time, provide an attestation for this, otherwise rescission will need to be reopened. |  | 07/28/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | 33891589 | xxxxxx | 07/11/2025 | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  | Both RTC forms do not have the expiration date list. Re-opening of rescission is required. |  | Reviewer Comment (2025-07-28): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided |  | 07/28/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841283 | xxxxxx | 33861661 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx, is missing. |  | Reviewer Comment (2025-07-18): Received Sam.gov for seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-15): Received fraud report however SAM.gov is not run. Provide SAM.gov. Excepted remains. | 07/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841283 | xxxxxx | 33862366 | xxxxxx | 07/11/2025 | 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 $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-07-08): Sufficient Cure Provided At Closing |  | 07/08/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841976 | xxxxxx | 33889196 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-07-15): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 07/15/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841976 | xxxxxx | 33890658 | xxxxxx | 07/11/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.49 is less than Guideline PITIA months reserves of 4.00. |  |  | Reviewer Comment (2025-07-17): Updated account statement for xxxxxx provided reflecting ending balance after transfer of $150K dated prior to closing. Loan now has sufficient reserves.<br>Reviewer Comment (2025-07-14): The condition cannot be waived. $150,000 was transferred to xxxxxx on xxxxxx from xxxxxx post-statement which exceeds the balance in the account. | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841976 | xxxxxx | 33890682 | xxxxxx | 07/11/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-17): Updated account statement for xxxxxx provided reflecting ending balance after transfer of $150K dated prior to closing. Loan now has sufficient reserves.<br>Reviewer Comment (2025-07-14): The condition cannot be waived. $150,000 was transferred to xxxxxx on xxxxxx from xxxxxx post-statement which exceeds the balance in the account. | 07/17/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841976 | xxxxxx | 33890683 | xxxxxx | 07/11/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-17): Updated account statement for xxxxxx provided reflecting ending balance after transfer of $150K dated prior to closing. Loan now has sufficient reserves.<br>Reviewer Comment (2025-07-14): The condition cannot be waived. $150,000 was transferred to xxxxxx on xxxxxx from xxxxxx post-statement which exceeds the balance in the account. | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33862909 | xxxxxx | 07/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 1003 relfects borrower rents current primary. Provide the 12 month housing history. |  | Reviewer Comment (2025-07-29): Received VOR for primary residence. Exception cleared.<br>Reviewer Comment (2025-07-23): Received Lease agreement for borrower's current primary, however per guidelines a VOR is required to verify the rental history. Exception remains.<br>Reviewer Comment (2025-07-17): Received same bank statement which was already in file. Provide a third-party VOR is required for any file when the borrower is currently renting. Exception remains.<br>Reviewer Comment (2025-07-16): Received bank statement reflecting transfer to landlord. However, per guidelines A third-party VOR is required for any file when the borrower is currently renting. Exception remains. | 07/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33863235 | xxxxxx | 07/11/2025 | 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 (2025-07-11): Client elects to waive |  |  | 07/11/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33863237 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender NMLS ID). |  | Reviewer Comment (2025-07-18): xxxxxx received PCCD and LOE. |  | 07/18/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33863439 | xxxxxx | 07/11/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.54 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2025-07-28): Additional assets provided<br>Reviewer Comment (2025-07-22): Condition does not pertain to short funds to close or down payment. Gift funds, EMD, nor POCB fees can be used for reserves, only funds to close. Assets are limited to the borrower's current ownership %. Access letter has no bearing on this nor CPA letter have any bearing on this as the guidelines state Business accounts may be considered for assets. Consumer Purpose Loans: The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business. The Seller's comments show they are trying to use 100% of the account.<br>Reviewer Comment (2025-07-17): The LOE is not acceptable. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final CD. Reserves required is 6 vs. 3 per full guidelines for FTHB. Total funds to close $258,138.61. Total verified assets including gift, emd and POCB (in which these cannot be used for reserves) is $270,243.55. Business funds are limited to the borrowers ownership % for xxxxxx which is 70%. | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33863540 | xxxxxx | 07/11/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-28): Additional assets provided<br>Reviewer Comment (2025-07-22): Condition does not pertain to short funds to close or down payment. Gift funds, EMD, nor POCB fees can be used for reserves, only funds to close. Assets are limited to the borrower's current ownership %. Access letter has no bearing on this nor CPA letter have any bearing on this as the guidelines state Business accounts may be considered for assets. Consumer Purpose Loans: The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business. The Seller's comments show they are trying to use 100% of the account.<br>Reviewer Comment (2025-07-17): The LOE is not acceptable. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final CD. Reserves required is 6 vs. 3 per full guidelines for FTHB. Total funds to close $258,138.61. Total verified assets including gift, emd and POCB (in which these cannot be used for reserves) is $270,243.55. Business funds are limited to the borrowers ownership % for xxxxxx which is 70%. | 07/28/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33863541 | xxxxxx | 07/11/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-28): Additional assets provided<br>Reviewer Comment (2025-07-22): Condition does not pertain to short funds to close or down payment. Gift funds, EMD, nor POCB fees can be used for reserves, only funds to close. Assets are limited to the borrower's current ownership %. Access letter has no bearing on this nor CPA letter have any bearing on this as the guidelines state Business accounts may be considered for assets. Consumer Purpose Loans: The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business. The Seller's comments show they are trying to use 100% of the account.<br>Reviewer Comment (2025-07-17): The LOE is not acceptable. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final CD. Reserves required is 6 vs. 3 per full guidelines for FTHB. Total funds to close $258,138.61. Total verified assets including gift, emd and POCB (in which these cannot be used for reserves) is $270,243.55. Business funds are limited to the borrowers ownership % for xxxxxx which is 70%. | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33890969 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, and settlement agent, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-07-21): Received updated Fraud Report. Fraud and OFAC search run on the settlement agent and seller. Exception cleared. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | 33907686 | xxxxxx | 07/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per matrix Rural property allowed up to 20 acres with LTV/FICO restrictions that were met. However, full guidelines state Rural properties are not allowed. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-17): investor will need to approve due to the conflicting guidelines and matrix. Assigned to investor. |  |  | 07/21/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841062 | xxxxxx | 33873522 | xxxxxx | 07/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence to verify ownership and ownership percentage of business xxxxxx (needed for closing/reserves). |  | Reviewer Comment (2025-08-01): EIN provided reflecting sole member<br>Reviewer Comment (2025-07-28): Received Business Entity Listing and Articles of organization. However the document requested is for the ownership percentage of business, provide Operating Agreement. Exception remains.<br>Reviewer Comment (2025-07-17): Received Business Entity Listing however the ownership % is missing. Provide of ownership % in xxxxxx. Funds limited to the borrower's ownership %. Exception remains. | 08/01/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842060 | xxxxxx | 33835882 | xxxxxx | 06/16/2025 | 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. (Type:Primary xxxxxx) | Evidence of appraisal receipt not provided. |  | Reviewer Comment (2025-06-23): Provided and cleared.<br>Reviewer Comment (2025-06-17): Trailing doc shows borrower did NOT waive timing rights. Exception remains. | 06/23/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842060 | xxxxxx | 33835883 | xxxxxx | 06/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.80213% or Final Disclosure APR of 10.40200% is equal to or greater than the threshold of APOR 6.92% + 1.5%, or 8.42000%. Non-Compliant Higher Priced Mortgage Loan. | Evidence of appraisal receipt not provided. |  | Reviewer Comment (2025-06-23): Provided and cleared. | 06/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842060 | xxxxxx | 33835884 | xxxxxx | 06/16/2025 | 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. (Type:Primary xxxxxx | Evidence of appraisal receipt not provided. |  | Reviewer Comment (2025-06-23): Provided and cleared. | 06/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840644 | xxxxxx | 33879426 | xxxxxx | 07/11/2025 | 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. (Initial xxxxxx) |  |  | Reviewer Comment (2025-07-23): xxxxxx received LE dated xxxxxx .<br>Reviewer Comment (2025-07-16): The timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. Initial LE issued xxxxxx . On this loan, the LE should have been issued within 3 business days of the broker application date of xxxxxx . | 07/23/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840644 | xxxxxx | 33879439 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-07-23): xxxxxx received LE dated xxxxxx .<br>Reviewer Comment (2025-07-16): xxxxxx received Changed circumstance. However, this does not address this timing violation. Initial LE issued xxxxxx, executed on xxxxxx was not received 7 business days prior to the xxxxxx consummation date. | 07/23/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840644 | xxxxxx | 33879491 | xxxxxx | 07/11/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-16): E-consent provided | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840644 | xxxxxx | 33879528 | xxxxxx | 07/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client xxxxxx guidelines full appraisal is not required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-11): The client elects to waive. The LTV is calculated using a drive-by appraisal and an AVM and meets guideline requirements |  |  | 07/11/2025 | 2 A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840644 | xxxxxx | 33905609 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Two additional mortgage liens noted on title reflecting prior owner and under investigation. |  | Reviewer Comment (2025-07-16): Supplement provided omitting liens in question. | 07/16/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840644 | xxxxxx | 34013880 | xxxxxx | 07/23/2025 | 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. (Initial xxxxxx) |  |  | Reviewer Comment (2025-07-25): xxxxxx Received Initial loan estimate dated xxxxxx . | 07/25/2025 |  |  | 1 A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | 33879237 | xxxxxx | 07/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The provided Hazard Insurance policy in file reflects the city as "xxxxxx" vs Note document reflects the city as "xxxxxx" |  | Reviewer Comment (2025-07-21): Updated HOI provided<br>Reviewer Comment (2025-07-17): Page 3 still reflects xxxxxx under covered property | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | 33879261 | xxxxxx | 07/11/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The provided CDA report in file reflects the city as "xxxxxx" vs Note document reflects the city as "xxxxxx" |  | Reviewer Comment (2025-07-17): Updated CDA provided | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | 33879265 | xxxxxx | 07/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-07-17): HOI provided | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | 33903207 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: City does not match on most recent supplement with insured amount dated xxxxxx |  | Reviewer Comment (2025-07-17): Updated supplement provided | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | 33903288 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The business purpose cert is signed by not completed. Missing Loan Closing Date, Lender Name (Seller), Loan amount and property address. |  | Reviewer Comment (2025-07-17): Updated BP cert provided | 07/17/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841741 | xxxxxx | 33877499 | xxxxxx | 07/11/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Prepayment Penalty | xxxxxx Prepayment Penalty: No prepayment penalties are permissible in the state of xxxxxx. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-07-11): Client elects to waive, per Client Counsel PPP is permissible for LLC. |  |  | 07/11/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840817 | xxxxxx | 33873582 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on and authorized signor of seller, xxxxxx and xxxxxx. |  | Reviewer Comment (2025-07-18): Received updated Fraud Report. Fraud and OFAC searches run on and authorized signor of Seller, xxxxxx and xxxxxx. Exception cleared. | 07/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840817 | xxxxxx | 33873665 | xxxxxx | 07/14/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-17): Supplement provided | 07/17/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840817 | xxxxxx | 33873754 | xxxxxx | 07/14/2025 | 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. (Final xxxxxx) | The file is missing evidence of initial Closing Disclosure. |  | Reviewer Comment (2025-07-18): xxxxxx received CD dated xxxxxx  | 07/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840962 | xxxxxx | 33879685 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Borrower has non-escrowed property HOA costs that were not reflected on page 1 or 4 of the Final CD. |  | Reviewer Comment (2025-07-16): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-15): xxxxxx received Post CD. However, we would also require LOX to the borrower in order to cure the exception. |  | 07/16/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839829 | xxxxxx | 33917283 | xxxxxx | 07/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The SOS for xxxxxx reflects the business is inactive and pending reinstatement as of xxxxxx . Provide evidence the business was active and reinstated at or prior to closing. |  | Reviewer Comment (2025-07-17): Updated SOS provided along with filed articles noting reinstatement and event date of xxxxxx  | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839859 | xxxxxx | 33933956 | xxxxxx | 07/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx is not an approved xxxxxx third party vendor for Day 1 Certainty. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839859 | xxxxxx | 33946281 | xxxxxx | 07/18/2025 | 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 $138.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. xxxxxx | $138.00 exceeds tolerance of 0.00 plus 10%. No cure provided. |  | Reviewer Comment (2025-07-30): xxxxxx Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-23): xxxxxx received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the recording 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 documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 07/30/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | 33888185 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | Final CD is missing the Lender's NMLS ID |  | Reviewer Comment (2025-07-21): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-16): xxxxxx received Corrected CD. Missing copy of LOE which accompanied the xxxxxx PCCD. |  | 07/21/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | 33888186 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. Escrow waiver in file. Page 1 of CD states No escrow account, page 4 reflects Will have an escrow account |  | Reviewer Comment (2025-07-21): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-16): xxxxxx received Corrected CD. Missing copy of LOE which accompanied the xxxxxx PCCD. |  | 07/21/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | 33888187 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. Escrow waiver in file. Page 1 of CD states No escrow account, page 4 reflects Will have an escrow account |  | Reviewer Comment (2025-07-21): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-16): xxxxxx received Corrected CD. Missing copy of LOE which accompanied the xxxxxx PCCD. |  | 07/21/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | 33888194 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. Escrow waiver in file. Page 1 of CD states No escrow account, page 4 reflects Will have an escrow account |  | Reviewer Comment (2025-07-21): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-16): xxxxxx received Corrected CD. Missing copy of LOE which accompanied the xxxxxx PCCD. |  | 07/21/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | 33888195 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. Escrow waiver in file. Page 1 of CD states No escrow account, page 4 reflects Will have an escrow account |  | Reviewer Comment (2025-07-21): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-16): xxxxxx received Corrected CD. Missing copy of LOE which accompanied the xxxxxx PCCD. |  | 07/21/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839399 | xxxxxx | 33863544 | xxxxxx | 07/14/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.14 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Loan amount < $150,000 requires a 1.25 DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 839399 | xxxxxx | 33863568 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Borrower xxxxxx. |  | Reviewer Comment (2025-07-21): Received Fraud and OFAC searches run on Borrower xxxxxx. Exception cleared. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 841198 | xxxxxx | 33890563 | xxxxxx | 07/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-07-21): Received Credit Report - Gap. Exception cleared. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841198 | xxxxxx | 33917454 | xxxxxx | 07/14/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Notary Fee | Borrower's portion of the Notary Fee paid at closing has payable party as TBD |  | Reviewer Comment (2025-07-13): Client elects to waive |  |  | 07/13/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33888813 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | The loan estimate dated xxxxxx is signed by borrower on xxxxxx . |  | Reviewer Comment (2025-07-17): xxxxxx received evidence for revised LE dated xxxxxx . | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33888814 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | The loan estimate dated xxxxxx is signed by borrower on xxxxxx . |  | Reviewer Comment (2025-07-17): xxxxxx received evidence for revised LE dated xxxxxx . | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33888815 | xxxxxx | 07/14/2025 | 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 Verification Of Employment Fee. Fee Amount of $76.65 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7571) |  |  | Reviewer Comment (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33888816 | xxxxxx | 07/14/2025 | 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 xxxxxx) | 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. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  | Reviewer Comment (2025-07-14): Client elects to waive |  |  | 07/14/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | 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 B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33923386 | xxxxxx | 07/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $47,152.00. Provide updated policy reflecting minimum coverage of $1,017,000.00 OR provide copy of insurer's replacement cost estimate supporting current coverage amount. RCE that was provided is from 2023. |  | Reviewer Comment (2025-07-17): Updated RCE provided | 07/17/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33923512 | xxxxxx | 07/14/2025 | 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 xxxxxx 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. (Final xxxxxx) | Page 1 of CD list xxxxxx Insurance in the Other section. |  | Reviewer Comment (2025-07-14): Client elects to waive |  |  | 07/14/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33923890 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The mortgage statement for the property on xxxxxx reflects a deferred balance. Provide the deferral agreement. Must meet guideline requirements. |  | Reviewer Comment (2025-07-17): Deferral agreement provided | 07/17/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33923904 | xxxxxx | 07/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.7, xxxxxx CU 4.5. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-07-24): Received secondary valuation. Exception cleared. | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | 33954968 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Regraded to xxxxxx as the Revised LE issued xxxxxx Sequence 1 missing proof of receipt within 4 business days prior to closing, but Final LE xxxxxx sequence 2 was received at least 4 business days prior to closing. |  | Reviewer Comment (2025-07-17): Client elects to waive |  |  | 07/17/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839991 | xxxxxx | 33875915 | xxxxxx | 07/15/2025 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss provided is $12,000 however as per guidelines we need Rent loss of 6 months PITIA (or $15,270.18). Loan was reviewed to lender's guidelines. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 841973 | xxxxxx | 33925644 | xxxxxx | 07/15/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required. 12 months bank statements provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-23): Non-Arms does not require a third party VOR. However, 12 months bank statements provided with xxxxxx payments to xxxxxx, however the Seller of the property is xxxxxx and xxxxxx.There is a processor cert in file that reflects xxxxxx is a term of respect but the name xxxxxx does not match and not addressed. |  |  | 07/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841973 | xxxxxx | 33945230 | xxxxxx | 07/16/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal notes this is an ARM's length transaction. Per Seller, renter purchasing from landlord. Non-Arms. Provide the updated appraisal. |  | Reviewer Comment (2025-07-28): Updated appraisal provided | 07/28/2025 |  |  | 1 A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840310 | xxxxxx | 33924637 | xxxxxx | 07/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-23): Received credit report gap. Exception cleared. | 07/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840310 | xxxxxx | 33925814 | xxxxxx | 07/15/2025 | 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 Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided At Closing |  | 07/14/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841217 | xxxxxx | 33938402 | xxxxxx | 07/16/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-16): Client elects to waive |  |  | 07/16/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840141 | xxxxxx | 33937858 | xxxxxx | 07/16/2025 | 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 $500.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  | Reviewer Comment (2025-07-15): Sufficient Cure Provided At Closing |  | 07/15/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840141 | xxxxxx | 33938363 | xxxxxx | 07/16/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of xxxxxx is greater than Guideline maximum loan amount of $2,000,000.00. | Investor Exception provided in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-16): Client elects to waive with verified compensation factors |  |  | 07/16/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840141 | xxxxxx | 33949341 | xxxxxx | 07/16/2025 | 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 $567.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  |  | Reviewer Comment (2025-07-16): Sufficient Cure Provided At Closing |  | 07/16/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840141 | xxxxxx | 33949610 | xxxxxx | 07/16/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence property is free and clear. |  | Reviewer Comment (2025-07-28): Received release of mortgage to verify the property is free and clear. Exception cleared.<br>Reviewer Comment (2025-07-25): Received Property History Report, that reflects mortgage lien in amount of xxxxxx. Please provide satisfaction of mortgage or document to verify the mortgage lien has be released. Exception remains.<br>Reviewer Comment (2025-07-22): Received closing statement and Purchase agreement of the subject property. Provide Property History Report to evidence property is free and clear. Exception remains. | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836861 | xxxxxx | 33879306 | xxxxxx | 06/20/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The property was withdrawn from the market for sale on xxxxxx . Properties that have been listed for sale by the borrower within the past 3 months from the loan application date are not eligible for cash out refinances per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-30): Lender approved exception. Client elects to waive with compensating factors. |  |  | 06/30/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 841803 | xxxxxx | 33956994 | xxxxxx | 07/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 2.5 and xxxxxx CU 4.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-07-22): CDA received | 07/22/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841803 | xxxxxx | 33957085 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-17): Client elects to waive |  |  | 07/17/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839376 | xxxxxx | 33938142 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $475,920.60 is over disclosed by $54.10 compared to the calculated Amount Financed of $475,866.50 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $$1,007,339.67; calculated amount financed is $1,007,393.77. Variance is -$54.10 |  | Reviewer Comment (2025-07-23): xxxxxx received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. |  | 07/23/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839376 | xxxxxx | 33938143 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,007,339.67 is under disclosed by $54.10 compared to the calculated Finance Charge of $1,007,393.77 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $$1,007,339.67; calculated finance charge is $1,007,393.77. Variance is -$54.10. |  | Reviewer Comment (2025-07-23): xxxxxx received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. |  | 07/23/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839376 | xxxxxx | 33951446 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-17): Client elects to waive |  |  | 07/17/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839376 | xxxxxx | 33957111 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Missing a copy of the most recent monthly mortgage payment statement for the senior lien. |  | Reviewer Comment (2025-07-21): Mortgage statement provided | 07/21/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839539 | xxxxxx | 33938933 | xxxxxx | 07/17/2025 | 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 $1,673.00 exceeds tolerance of $1,375.00 plus 10% or $1,512.50. Insufficient or no cure was provided to the borrower. xxxxxx | COC provided reflects 10% fees increased due to borrower request for payoff demand, however, the property is free and clear, therefore the COC is invalid. |  | Reviewer Comment (2025-07-25): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-23): xxxxxx received Post CD,LOX and Copy of refund check. However, we would also required proof of mailing in order to cure the exception.<br>Reviewer Comment (2025-07-22): xxxxxx received PCCD and LOE. Missing copy of refund check & proof of mailing. Please provide copy of refund check & proof of mailing. |  | 07/25/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 839539 | xxxxxx | 33938944 | xxxxxx | 07/17/2025 | 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 $1.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-25): xxxxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-23): xxxxxx received Post CD,LOX and Copy of refund check. However, we would also required proof of mailing in order to cure the exception.<br>Reviewer Comment (2025-07-22): xxxxxx received PCCD and LOE. Missing copy of refund check & proof of mailing. Please provide copy of refund check & proof of mailing. |  | 07/25/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | 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 | Mortgagor Focused |
| xxxxxx | 842071 | xxxxxx | 33894010 | xxxxxx | 07/02/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal lender/client is xxxxxx, transfer letter not in file. Informational level 2 exception. |  | Reviewer Comment (2025-07-09): Updated guides provided not a guideline requirement.<br>Reviewer Comment (2025-07-07): Informational level 2 remains. | 07/09/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841982 | xxxxxx | 33957292 | xxxxxx | 07/17/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Reflects Unit xxxxxx |  | Reviewer Comment (2025-07-21): Updated flood Cert provided | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842315 | xxxxxx | 33949308 | xxxxxx | 07/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.96 is less than Guideline PITIA months reserves of 6.00. | Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. There is a PC-CD in file which reflects a slight reduction in cash to close, however no final stamped settlement statement to support. Also, paid invoices for POCB fees were not provided either. |  | Reviewer Comment (2025-07-24): Paid POCB fee provided along with final settlement statement supporting a reduction in cash to close<br>Reviewer Comment (2025-07-22): An explanation of why the borrower was short was provided in the original exception. The exception cannot be cleared. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. There is a PC-CD in file which reflects a slight reduction in cash to close, however no final stamped settlement statement to support. Also, paid invoices for POCB fees were not provided either. | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842315 | xxxxxx | 33949333 | xxxxxx | 07/18/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-24): Paid POCB fee provided along with final settlement statement supporting a reduction in cash to close<br>Reviewer Comment (2025-07-22): An explanation of why the borrower was short was provided in the original exception. The exception cannot be cleared. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. There is a PC-CD in file which reflects a slight reduction in cash to close, however no final stamped settlement statement to support. Also, paid invoices for POCB fees were not provided either. | 07/24/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842315 | xxxxxx | 33949361 | xxxxxx | 07/18/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-07-24): Paid POCB fee provided along with final settlement statement supporting a reduction in cash to close<br>Reviewer Comment (2025-07-22): An explanation of why the borrower was short was provided in the original exception. The exception cannot be cleared. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. There is a PC-CD in file which reflects a slight reduction in cash to close, however no final stamped settlement statement to support. Also, paid invoices for POCB fees were not provided either. | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838806 | xxxxxx | 33946582 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-07-21): Received updated Fraud report. Fraud & OFAC searches run for authorized signor's for the seller, xxxxxx and xxxxxx. Additional SAM search provided for xxxxxx. Exception cleared. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838806 | xxxxxx | 33970105 | xxxxxx | 07/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 2.9, xxxxxx CU score 1.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-07-23): CDA received.<br>Reviewer Comment (2025-07-23): Received 1004 which was already in file. Provide secondary valuation. Exception remains. | 07/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838806 | xxxxxx | 33970148 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Business Purpose Cert. |  | Reviewer Comment (2025-07-21): Received Business Purpose Certificate. Exception cleared. | 07/21/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839598 | xxxxxx | 33949582 | xxxxxx | 07/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-21): Received Undisclosed Debt Monitoring (UDM) report for xxxxxx & xxxxxx. Exception cleared. | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33951983 | xxxxxx | 07/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide 12 month Verification of Mortgage for the property located at xxxxxx as the mortgage account is not reflecting on Credit Report.<br> 12-months mortgage payment history is to be documented, as follows: <br> • Proof of payments through one of the following:<br> o 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method <br> from the borrower<br> § Payments made in cash are not eligible, or<br> o 12-months mortgage statements for the review period, or<br> o 12-months loan payment history from the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required, or<br> o 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required, or<br> o Credit supplement<br> § Proof of borrower's payment for the most recent 6-months is required |  | Reviewer Comment (2025-07-25): Per client email, the subject is zoned as commercial and the mtg is a commercial mortgage as indicated on the property profile report provided and not reporting on the individual's credit report. Accepting property profile and not requiring mortgage history. Requested clearance.<br>Reviewer Comment (2025-07-25): Please provide 12 months bank statement if the debts is paid by non-borrower or provide 6 months bank statement if the debts is paid from the Business bank account. Exception remains. | 07/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33951984 | xxxxxx | 07/18/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | The provided Fraud report in file reflects the property at xxxxxx was recently closed as a new transaction. Provide Final CD / First payment letter to determine the new PITIA. |  | Reviewer Comment (2025-07-30): Received Final Closing Disclosure and First Payment Letter to verify PITIA. Exception cleared.<br>Reviewer Comment (2025-07-24): Provide Final CD / First payment letter to determine the new PITIA. Exception remains. | 07/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33951991 | xxxxxx | 07/18/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-21): FTP provided | 07/21/2025 |  |  | 1 A | A | A | A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33970372 | xxxxxx | 07/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) P&L's are not signed and dated by the borrower 2) The business tax returns are not signed and dated by the borrower. |  | Reviewer Comment (2025-07-21): Signed and dated income documents provided | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33970448 | xxxxxx | 07/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy or release of judgment for xxxxxx (item #10). |  | Reviewer Comment (2025-07-21): Clear FTP provided | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33970515 | xxxxxx | 07/18/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Initial 1003, dec page, reflects intent to occupy. |  | Reviewer Comment (2025-07-18): Client elects to waive |  |  | 07/18/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33970516 | xxxxxx | 07/18/2025 | 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. | Due to missing income docs |  | Reviewer Comment (2025-07-21): Signed income documents provided | 07/21/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33970517 | xxxxxx | 07/18/2025 | 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. | Due to missing income docs |  | Reviewer Comment (2025-07-21): Signed income documents provided | 07/21/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | 33996699 | xxxxxx | 07/21/2025 | 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 xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx, xxxxxx , xxxxxx/S-Corp) | 2023 most recent return provided |  | Reviewer Comment (2025-07-21): Client elects to waive |  |  | 07/21/2025 | 2 B | B |  | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841092 | xxxxxx | 33950203 | xxxxxx | 07/18/2025 | 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 xxxxxx 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 xxxxxx) | Initial LE was issued on xxxxxx but was not signed by the borrower's until xxxxxx . |  | Reviewer Comment (2025-07-29): xxxxxx received LE dated xxxxxx  | 07/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841983 | xxxxxx | 33991398 | xxxxxx | 07/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The $60,000 deposit into the borrower's personal account xxxxxx came from the donor of the other gifts. An additional gift letter for $60,000 was not provided. (assets needed to qualify). |  | Reviewer Comment (2025-07-23): Gift letter provided | 07/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840789 | xxxxxx | 33951546 | xxxxxx | 07/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception: Borrower is residing in subject property, purchasing from landlord. The landlord and borrower are friends. The borrower's previous residence located on xxxxxx. The borrower's insurance company has been paying the rent since xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840789 | xxxxxx | 33951547 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Per guidelines, fully executed Residential Purchase Agreement and all counter offer/addendum required. Escrow instructions not allowed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-24): This loan was reviewed to xxxxxx guidelines which does have this requirement per 4.2.1 Fully executed Residential Purchase Agreement and all counter offer/addendum require |  |  | 07/24/2025 | 2 D B | D B | D | B D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840789 | xxxxxx | 33951601 | xxxxxx | 07/21/2025 | 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 Extension Fee. Fee Amount of $2,900.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) | The Extension Fee on the Loan Estimate dated xxxxxx was $0.00; however, the final Closing Disclosure reflects $2,900.00 without a valid change of circumstance. |  | Reviewer Comment (2025-07-22): xxxxxx received a valid COC. | 07/22/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840789 | xxxxxx | 33990277 | xxxxxx | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, For-Sale-By-Owner (FSBO) transactions must be arms-length. Transaction is Non-Arms. (Renter purchasing from landlord/friend). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-24): This loan was not reviewed to investor guidelines which does not have this requirement. This loan was reviewed to xxxxxx guidelines which does have this requirement per 4.2.1 reflects For-Sale-By-Owner (FSBO) transactions must be arms-length. |  |  | 07/24/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840951 | xxxxxx | 33958272 | xxxxxx | 07/21/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter not provided | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive |  |  | 07/21/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840951 | xxxxxx | 33989345 | xxxxxx | 07/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The gap report dated 7.10.2025 reflects the DLA for the xxxxxx of xxxxxx HELOC xxxxxx is 9.6.2024. Provide the updated history. |  | Reviewer Comment (2025-07-28): Per client email, between the 2 bureaus and the most recent online statement pulled on xxxxxx it shows he recently took the draw. The late is from 9/2024 as shown on both bureaus. Late meets policy and you previously indicated the new draw was already included in total DTI. They are comfortable with the documentation as presented with no further docs.<br>Reviewer Comment (2025-07-24): Received HELOC statement, however there is a discrepancy in the data provided, per Gap credit report dated xxxxxx there is a balance of $94,036, however HELOC statement dated xxxxxx reflects $0.00 balance, please provide document to verify borrower recently withdrawn funds from the HELOC account. Exception remains. | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840951 | xxxxxx | 33989396 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | The HOA questionnaire does not complete the units owned for primary/secondary noting it is not maintained, however per the investor credit memo, the HOA questionnaire is 100% relied upon for the information. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-25): Client elects to waive with verified compensation factors |  |  | 07/25/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838331 | xxxxxx | 33957960 | xxxxxx | 07/21/2025 | 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 Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838331 | xxxxxx | 33957961 | xxxxxx | 07/21/2025 | 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 $138.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838331 | xxxxxx | 33989966 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Initial 1003, dec page, reflects intent to occupy. |  | Reviewer Comment (2025-07-21): Client elects to waive |  |  | 07/21/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840602 | xxxxxx | 33957791 | xxxxxx | 07/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. Any new debt to be added to ratios. |  | Reviewer Comment (2025-07-23): Received Credit Report - Gap. Exception cleared. | 07/23/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840602 | xxxxxx | 33991542 | xxxxxx | 07/22/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Living Rent-Free: Borrowers that do not have the required housing payment history are still eligible to qualify for a purchase transaction of a primary residence so long as the individual or entity they are residing with rent-free provides a Letter of explanation (LOE) confirming that there xxxxxx s no monthly obligation. |  | Reviewer Comment (2025-07-30): Received LOX from employer, verifying borrower living rent-free. Exception cleared.<br>Reviewer Comment (2025-07-23): The LOE on xxxxxx does not state the borrower has no monthly obligation. Just says housing is provided with employment package which could mean she gets a reduced rate, special pricing, etc. The guidelines are specific that the rent free LOE must state the borrower is living rent free and has no monthly obligation. | 07/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840797 | xxxxxx | 33958186 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The Final Closing Disclosure does not reflect NMLS ID for the lender. |  | Reviewer Comment (2025-07-24): xxxxxx received Letter of Explanation & Corrected Closing Disclosure. |  | 07/24/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840797 | xxxxxx | 33958210 | xxxxxx | 07/22/2025 | 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 Flood Certification (Life Of Loan). Fee Amount of $12.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) | The Flood Certification Fee was not disclosed on the initial Loan Estimate and was charged $12.00 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-08-04): xxxxxx received corrected PCCD and LOE. Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-07-25): xxxxxx received PCCD, however cure was not updated on inner column of sec J of PCCD. Please provide corrected PCCD, LOE and true & certified copy of final settlement statement.<br>Reviewer Comment (2025-07-23): xxxxxx received rebuttal stating lender credit applied on Final CD. However, On Final CD dated xxxxxx is not reflecting lender credit under section J inner column. We would require Post CD along with LOX to reflect lender credit under section J inner column along with Final SS. | 08/04/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | 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) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842678 | xxxxxx | 33989825 | xxxxxx | 07/22/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 670 is less than Guideline representative FICO score of 680. | Per investor overlays to lender guidelines, min FICO of 680 using P&L income, LTV at 80% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors |  |  | 07/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842678 | xxxxxx | 33990155 | xxxxxx | 07/22/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal transfer letter in file, however a copy of the invoice submitted to the original lender not provided in the file and is required per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-21): Client elects to waive |  |  | 07/21/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840762 | xxxxxx | 33963481 | xxxxxx | 07/22/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.70680% exceeds Guideline total debt ratio of 45.00000%. | The DTI exceeds the allowable limit for First Time Home Buyers. Investor Exception is provided in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840762 | xxxxxx | 33963488 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.70680% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI exceeds the allowable limit for First Time Home Buyers. Investor Exception is provided in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840762 | xxxxxx | 33989783 | xxxxxx | 07/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-24): Received Credit Report - Gap . Exception cleared. | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840280 | xxxxxx | 33962446 | xxxxxx | 07/22/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-07-24): Updated HOI provided | 07/24/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840280 | xxxxxx | 33962457 | xxxxxx | 07/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, the subject property cannot be greater than 20 acres. |  | Investor exception request in file. Provide the approved exception with comp factors. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors |  |  | 07/23/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841191 | xxxxxx | 33970959 | xxxxxx | 07/22/2025 | 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 $1,400.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-07-18): Sufficient Cure Provided At Closing |  | 07/18/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841191 | xxxxxx | 33970975 | xxxxxx | 07/22/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor Exception: Borrower took out second lien in xxxxxx as cash out. Looking to allow cash out on property paying off the second lien (as well as the first lien) without the six months seasoning for last cash out transactions. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-25): Client elects to waive with verified compensation factors |  |  | 07/25/2025 | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841191 | xxxxxx | 33995136 | xxxxxx | 07/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | City does not match |  | Reviewer Comment (2025-07-25): Updated CDA provided | 07/25/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841937 | xxxxxx | 33970655 | xxxxxx | 07/22/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 702 is less than Guideline representative FICO score of 720. | Investor Exception - Program Minimum is 720 for xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-22): Client elects to waive with verified compensation factors |  |  | 07/22/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841937 | xxxxxx | 33970782 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-22): Client elects to waive |  |  | 07/22/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841937 | xxxxxx | 33993397 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,395.76 on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Page 4 of final CD shows Estimated Property Costs over Year 1 of $9,395.76. Actual for Year 1 is $13,176.72 |  | Reviewer Comment (2025-07-30): xxxxxx Received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-25): xxxxxx received LOE. Property costs reflected on Final CD of $9395.76. Loan file indicates Costs of $13,176.72. These itemized costs of ($3781 insurance per month/$9395.76 yearly tax) totaling $1098.06 per month. Please provide PCCD and LOE to cure or verification of updated amounts. |  | 07/30/2025 |  | 2 C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842075 | xxxxxx | 33961642 | xxxxxx | 06/30/2025 | 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. (Type:Primary xxxxxx) | Appraisal report was sent to borrower on xxxxxx , received date is considered xxxxxx using mailbox rule, which is not within 3 business days of closing. |  | Reviewer Comment (2025-07-15): Cleared when Sat. considered business day. | 07/15/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842766 | xxxxxx | 34006462 | xxxxxx | 07/24/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-07-28): Updated HOI provided | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842766 | xxxxxx | 34023057 | xxxxxx | 07/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Current/active license or certification for the preparer was not provided |  | Reviewer Comment (2025-07-28): CTEC provided | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842766 | xxxxxx | 34023128 | xxxxxx | 07/24/2025 | 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. | Current/active license or certification for the preparer was not provided |  | Reviewer Comment (2025-07-28): CTEC provided | 07/28/2025 |  |  | 1 B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842766 | xxxxxx | 34023129 | xxxxxx | 07/24/2025 | 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. | Current/active license or certification for the preparer was not provided |  | Reviewer Comment (2025-07-28): CTEC provided | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | 33975074 | xxxxxx | 07/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Perm Resident: Per guidelines, Non-Perm Residents require 24 months of income vs. 12 months. |  | Reviewer Comment (2025-07-29): Additional 12 months bank statements provided for a complete 24 months.<br>Reviewer Comment (2025-07-25): Investor requested review to 12 months even though 24 months are in file. Stated Seller verified this as well. Advised investor an exception would be set for this. If a re-underwrite is required, this will need to come from the investor.<br>Reviewer Comment (2025-07-18): Investor requested review to 12 months even though 24 months are in file. Advised investor an exception would be set for this. | 07/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | 33995529 | xxxxxx | 07/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br>• Any new tradeline with a balance must be included in determining the DTI ratio. |  | Reviewer Comment (2025-07-29): Received Credit Refresh Report dated xxxxxx . Exception cleared. | 07/29/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | 34019717 | xxxxxx | 07/24/2025 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file includes an updated e-signed Note that is notarized with an added Default clause. All Notes require a wet signature. |  | Reviewer Comment (2025-07-30): Received LOE to borrower and evidence of delivery to borrower with correct note. The correct note is wet signed.<br>Reviewer Comment (2025-07-28): The same note was provided that was in file at time of review. Please review the original condition. The file includes an updated e-signed Note that is notarized with an added Default clause. All Notes require a wet signature. | 07/30/2025 |  |  | 1 D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | 34019863 | xxxxxx | 07/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's VISA type is not eligible for Non-Perm Residents as well as an EAD card was not provided. This would require an separate exception. |  | Reviewer Comment (2025-07-28): Per investor email response, accepting the VISA and requested clearance.<br>Reviewer Comment (2025-07-28): The guidelines are specific regarding VISA types, however states others will be considered. Since the Other VISA types that will be considered are not specified, the client will need to confirm that this VISA type is being accepted. Please reach out to DD with email.<br>Reviewer Comment (2025-07-25): The LOE is not acceptable. A Visa R is not the same as a xxxxxx Visa. A Visa R is for religious workers, while xxxxxx Visas are for business and tourism. The "R" in a xxxxxx Visa application or passport simply signifies it's a regular visa, not a diplomatic or other type. | 07/28/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | 34019876 | xxxxxx | 07/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for Borrower not living in the xxxxxx for 2 years for Non-Perm Resident program. Borrower is a Foreign National living overseas in which there is no program for. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors. |  |  | 07/23/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | 34020103 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the OA and the Cert of Good Standing for the Borrowing Entity. |  | Reviewer Comment (2025-07-29): Received borrowing certificate and Certificate of Good Standing for the Borrowing Entity. Exception cleared.<br>Reviewer Comment (2025-07-28): Received Corporate Resolution, Certificate of Formation, Employer Identification Number. Provide OA and the Cert of Good Standing for the Borrowing Entity. Exception remains. | 07/29/2025 |  |  | 1 C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840839 | xxxxxx | 33995030 | xxxxxx | 07/25/2025 | 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 - Settlement / Closing / Escrow Fee. Fee Amount of $1,500.00 exceeds tolerance of $1,195.00. Sufficient or excess cure was provided to the borrower at Closing. (7561) | Lender credit of $305.00 reflecting on Final CD. |  | Reviewer Comment (2025-07-21): Sufficient Cure Provided At Closing |  | 07/21/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841651 | xxxxxx | 33995543 | xxxxxx | 07/25/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-30): Updated title provided | 07/30/2025 |  |  | 1 B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841651 | xxxxxx | 34031349 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost and Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost and one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Initial 1003, dec page, reflects intent to occupy. Provide lender attestation on error. |  | Reviewer Comment (2025-07-30): Lender attestation provided | 07/30/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840303 | xxxxxx | 34005622 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Page 4 does not reflect property costs year 1 |  | Reviewer Comment (2025-08-04): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-31): xxxxxx received PCCD. Missing LOE to borrower. |  | 08/04/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840303 | xxxxxx | 34005674 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Page 1 does not reflect estimated taxes, insurance and assessements |  | Reviewer Comment (2025-08-04): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-31): xxxxxx received PCCD. Missing LOE to borrower. |  | 08/04/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | 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 | Mortgagor Focused |
| xxxxxx | 840303 | xxxxxx | 34005676 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Page 4 does not reflect property costs year 1 |  | Reviewer Comment (2025-08-04): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-31): xxxxxx received PCCD. Missing LOE to borrower. |  | 08/04/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840303 | xxxxxx | 34005678 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 does not reflect a reason an escrow account was not established |  | Reviewer Comment (2025-08-04): xxxxxx received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-31): xxxxxx received PCCD. Missing LOE to borrower. |  | 08/04/2025 |  | 2 C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842034 | xxxxxx | 34010388 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-30): Client elects to waive |  |  | 07/30/2025 | 2 B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842034 | xxxxxx | 34010436 | xxxxxx | 07/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The provided Final CD in file does not reflect any Mortgage payoff information, however, the provided Post-Close CD in file reflects the existing 2nd Lien on Subject property was paid-off through this transaction. Provide the Final Stamped Settlement Statement from title to verify the lien was paid-off through closing. |  | Reviewer Comment (2025-07-30): Final stamped settlement statement provided reflecting lien paid through closing | 07/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842034 | xxxxxx | 34046926 | xxxxxx | 07/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The history for the subject property second lien with xxxxxx does not appear on the credit report. Note, payoff, and VOM provided. Provide the 6 months bank statements/cancelled checks for borrower pay history. |  | Reviewer Comment (2025-07-30): Received Bank Statement for subject property second lien with xxxxxx. Exception cleared. | 07/30/2025 |  |  | 1 C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843551 | xxxxxx | 34013157 | xxxxxx | 07/16/2025 | 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 $650.00 exceeds tolerance of $630.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-07-15): Sufficient Cure Provided At Closing |  | 07/15/2025 |  | 1 A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842627 | xxxxxx | 34031590 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of selling entity, xxxxxx and xxxxxx. |  | Reviewer Comment (2025-08-01): Received Fraud and OFAC searches run on authorized signor of selling entity, xxxxxx and xxxxxx. Exception cleared. | 08/01/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843637 | xxxxxx | 34026820 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: xxxxxx | Subject transaction is Purchase of Primary Property. However on Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as No. Provide the updated 1003. |  | Reviewer Comment (2025-07-31): Received corrected 1003. Exception cleared. | 07/31/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840389 | xxxxxx | 34032467 | xxxxxx | 07/30/2025 | Credit | Guideline | Guideline Issue | Guideline | Up to 3 NSF checks and overdraft protection transfers in the most recent 12-month period are allowed with explanation from the borrower per guideline. Explanation not found in file. |  | Investor Exception - NSF Exceeds maximum allowable limit. xxxxxx xxxxxx xxxxxx xxxxxx LOE in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-29): Client elects to waive with verified compensation factors |  |  | 07/29/2025 | 2 B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842076 | xxxxxx | 34061524 | xxxxxx | 07/16/2025 | 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 xxxxxx 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 xxxxxx) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. |  | Reviewer Comment (2025-07-18): After further review, exception cleared. | 07/18/2025 |  |  | 1 C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |

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## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm2524220d1_ex99-4img001.jpg)

**Rating Agency Grades**

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Kroll** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Scope** |
| xxxxxx | 817216 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C D A | N/A | N/A D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 832934 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 830991 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 832932 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A C | C | C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835122 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 830600 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 830382 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 831614 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834107 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835464 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835394 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836255 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835325 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836542 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832841 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833733 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835639 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837252 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836920 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834220 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834491 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836405 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 830008 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834966 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836771 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836907 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 830542 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836587 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 822518 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836976 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837152 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837772 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837637 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837621 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837034 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833941 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835252 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836759 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836418 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835243 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834336 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837240 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | A | N/A D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 835781 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | A | N/A D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836337 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836440 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836981 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836086 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833569 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 834395 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834501 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834292 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | C | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836793 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837180 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838077 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837996 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835305 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836753 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836157 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837655 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837308 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 836702 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835508 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836296 | xxxxxx | xxxxxx | xxxxxx C | N/A D | A | A | A | N/A | A | A | N/A C | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838305 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837724 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837734 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837728 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837733 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837739 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837741 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837752 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837746 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837737 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837750 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837554 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834424 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A C | C | C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837667 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837684 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836310 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C D A | N/A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837979 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834917 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837341 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837055 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837596 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837041 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838103 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835221 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835426 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838136 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 831836 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833143 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833923 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835625 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835451 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838297 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 833953 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837492 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834043 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838085 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835646 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835648 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838597 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835237 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836942 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837947 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837231 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838850 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835783 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835649 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837496 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838462 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836218 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834871 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838492 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837482 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C D A | N/A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837999 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 835979 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837071 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838260 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | C | C | C | N/A | C A | N/A C | N/A C | Mortgagor Focused |
| xxxxxx | 838236 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838025 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838451 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838401 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835515 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838751 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836321 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838816 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A | A D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838802 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836179 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838498 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838721 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839626 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | C | C | C | C | C A | A C | C | Mortgagor Focused |
| xxxxxx | 837843 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838310 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837342 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835432 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839781 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839783 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839668 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838712 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839953 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839937 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837906 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839509 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839951 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839364 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838436 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839659 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838150 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836665 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838147 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833779 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837953 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838501 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839479 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838507 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838144 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C B | B | B C | C A | A | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 838093 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838332 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839495 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839334 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837879 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837918 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839965 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838048 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836415 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837540 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837520 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839591 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836804 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838328 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | xxxxxx | xxxxxx D | N/A D | B | B | B | N/A | B A | A | N/A D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838938 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C A | A | N/A C | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838629 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838828 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837824 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839831 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839610 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837096 | xxxxxx | xxxxxx | xxxxxx A | N/A | A | A | A | N/A | A | A | N/A | N/A | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C | C | C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 836570 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835398 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833594 | xxxxxx | xxxxxx | xxxxxx D | N/A D | A | A | A | N/A | A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838777 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838509 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839451 | xxxxxx | xxxxxx | xxxxxx C | N/A D | A | A | A | N/A | A | A | N/A C | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836869 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 834440 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838119 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840042 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838301 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838481 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837571 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838848 | xxxxxx | xxxxxx | xxxxxx D | N/A D | A | A | A | N/A | A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840053 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838572 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836544 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838438 | xxxxxx | xxxxxx | xxxxxx B | N/A B | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837777 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839505 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837912 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C D A | N/A | N/A D C | N/A D | N/A | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840155 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838004 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839625 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840669 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838724 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836701 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838708 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840907 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838947 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 833043 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839914 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C A | A | N/A B C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838496 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839521 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840635 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836635 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C A | A | N/A C | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838435 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838258 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838076 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838541 | xxxxxx | xxxxxx | xxxxxx B | N/A B | A | A | A | N/A | A | A | N/A B | N/A B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838162 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838760 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838764 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837686 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839599 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839607 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839608 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839614 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840565 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840564 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840566 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840568 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840574 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840575 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840570 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840573 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840567 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840571 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840569 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840444 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836723 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838449 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838771 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C A | A | N/A B C | N/A D | N/A | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836422 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 841300 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836921 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B A | A | A B | B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839978 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841288 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839979 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839973 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838353 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839379 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838714 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841305 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840615 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C D A | D | N/A D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838967 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839347 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C D B | D | N/A D C | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C B | B | B C | C A | A | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | C | C | C | C | C A | A C | C | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841299 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841555 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838672 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 839338 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839930 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839864 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838683 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840772 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839910 | xxxxxx | xxxxxx | xxxxxx B | N/A B | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 841879 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A B | B | B | B A | A | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 840701 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840359 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840597 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840758 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840237 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841605 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841604 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838313 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 839705 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840054 | xxxxxx | xxxxxx | xxxxxx C | N/A C | B | B | B | N/A | B A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C A | A | N/A C | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 835323 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841178 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 840606 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 835251 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839769 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840708 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839913 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841877 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839573 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | N/A B C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840686 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A B | B | B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840983 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840241 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C A | A | N/A B C | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | A | N/A B D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C D | D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837612 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841283 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841976 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841062 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842060 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842043 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840644 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A B C | N/A C | N/A | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841741 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840817 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840962 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841985 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839829 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839859 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839399 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841198 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840328 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839574 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841987 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839991 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841973 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840310 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839976 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841217 | xxxxxx | xxxxxx | xxxxxx B | N/A B | A | A | A | N/A | A | A | N/A B | N/A B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840141 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 836861 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841803 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839376 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839539 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 842071 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A B | B | B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841982 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842315 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838806 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839598 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841364 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841092 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841983 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840789 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840951 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A B | B | B C | C B | B | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 838331 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840602 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840797 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 842678 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A B | B | B C | C B | B | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 840762 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840280 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 839488 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841191 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841937 | xxxxxx | xxxxxx | xxxxxx B | N/A B | C | C | C | N/A | C A | A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 841660 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841565 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842075 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842041 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842766 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | xxxxxx | xxxxxx C | C D | D | D | D | D | D A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841585 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840839 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839846 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841651 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840971 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840303 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 842034 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840183 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841394 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843545 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843547 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843551 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843557 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842627 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843637 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840389 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 843801 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842076 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841529 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR Diligence Report**

![](tm2524220d1_ex99-5img001.jpg)

**QM-ATR Diligence Report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 817216 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 819427 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 822312 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 822518 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 830008 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830382 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830542 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830600 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830991 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831614 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831836 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832841 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832932 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832934 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833043 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833143 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833569 | xxxxxx |  | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 833594 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833733 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833779 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833923 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833941 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833953 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834043 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834107 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834220 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834292 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834336 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834395 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834424 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834440 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834491 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834501 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834871 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834917 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834966 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835122 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835221 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835237 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835243 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835251 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835252 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835305 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835323 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835325 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835394 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835398 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835426 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835432 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835451 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835464 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835508 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835515 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835625 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835639 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835646 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835648 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835649 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835781 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835783 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835979 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836086 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836157 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836179 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836218 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836255 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836296 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836310 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836321 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836337 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836405 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836415 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836418 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836422 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836440 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836542 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836544 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836570 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836587 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836635 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836665 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836684 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836701 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836702 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836723 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836753 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836759 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836771 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836793 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836804 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836861 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836869 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836907 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836920 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836921 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836942 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836976 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836981 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837034 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837041 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837055 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837071 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837096 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837152 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837180 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837231 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837240 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837252 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837308 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837341 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837342 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837482 | xxxxxx |  | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 837492 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837496 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837520 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837540 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837554 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837571 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837596 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837612 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837621 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837637 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837655 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837667 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837684 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837686 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837723 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837724 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837728 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837733 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837734 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837737 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837739 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837741 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837746 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837750 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837752 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837772 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837777 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837824 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837843 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837879 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837899 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837906 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837912 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837918 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837947 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837953 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837957 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837958 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837979 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837996 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837999 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838004 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838025 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838048 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838076 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838077 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838085 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838093 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838100 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838103 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838119 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838136 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838144 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838147 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838150 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838162 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838173 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838214 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838236 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838258 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838260 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838297 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838301 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838305 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838310 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838313 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838328 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838331 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838332 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838353 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838401 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838435 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838436 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838438 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838446 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838449 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838451 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838462 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838481 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838488 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838492 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838496 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838498 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838501 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838507 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838509 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838541 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838572 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838597 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838629 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838672 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838673 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838678 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838683 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838708 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838712 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838714 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838721 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838724 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838751 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838760 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838764 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838771 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838774 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838777 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838802 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838806 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838809 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838816 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838828 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838848 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838850 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838938 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838947 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838955 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838962 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838967 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839334 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839338 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839347 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 839364 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839376 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839379 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839399 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839451 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839479 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839488 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839495 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839505 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839509 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839521 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839539 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839573 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839574 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839591 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839598 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 839599 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839607 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839608 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839610 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839614 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839625 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839626 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839627 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839659 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839668 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839705 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839758 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839769 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839781 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839783 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839829 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839831 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839846 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839859 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 839864 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839910 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839913 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839914 | xxxxxx |  | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 839917 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839930 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 839937 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839951 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839953 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839965 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839973 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839976 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839978 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839979 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839981 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839991 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840042 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840053 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840054 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840141 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840155 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840183 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840237 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840241 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840280 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 840295 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840303 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840304 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840310 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840328 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840359 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840389 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840410 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840444 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840564 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840565 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840566 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840567 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840568 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840569 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840570 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840571 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840573 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840574 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840575 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840597 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840602 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 840606 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840615 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840635 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840644 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840664 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840669 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840686 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840689 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840701 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840708 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840724 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840758 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840762 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840772 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840789 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840790 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840796 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840797 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840798 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840817 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840839 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840865 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840907 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840937 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840951 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840962 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840971 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840983 | xxxxxx |  | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 841062 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841092 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841178 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841191 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841198 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841216 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841217 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841243 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841283 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841288 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841299 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841300 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841305 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841364 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841394 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841529 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841555 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841565 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841585 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841599 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841604 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841605 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841651 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841660 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841741 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841803 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841877 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841879 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841937 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841973 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841976 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841982 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841983 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841985 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841987 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842034 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842041 | xxxxxx | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842043 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842060 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842071 | xxxxxx | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842075 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842076 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842315 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842627 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842678 | xxxxxx |  | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842766 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843545 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843547 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843551 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843557 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843637 | xxxxxx |  | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843801 | xxxxxx |  | xxxxxx | N/A |  | N/A | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC Valuation report**

![](tm2524220d1_ex99-6img001.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 817216 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2024 | 06/25/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2024 | 07/03/2024 | AVM | xxxxxx |  |  | 0.09 | xxxxxx | xxxxxx | 6.320% | 10/31/2024 | 08/05/2024 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/01/2024 | 09/30/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 01/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.946% | 04/02/2025 | 07/20/2024 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 | Mortgagor Focused |
| xxxxxx | 830008 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  | Property Focused |
| xxxxxx | 830382 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 830542 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 02/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 830600 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/03/2024 | 12/03/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/06/2024 | 12/03/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 830991 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 02/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/28/2025 | 02/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 831614 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 831836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 02/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/20/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/14/2025 | 03/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.673% | 03/14/2025 | 03/14/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832932 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/10/2025 | 02/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/15/2025 | 02/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 832934 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/10/2025 | 01/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/08/2025 | 01/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833043 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 833143 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/14/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833569 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 03/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 03/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 | Mortgagor Focused |
| xxxxxx | 833594 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 833733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/20/2025 | 02/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/20/2025 | 02/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 | Property Focused |
| xxxxxx | 833779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 03/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.525% | 04/14/2025 | 04/14/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833923 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/26/2025 | 02/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833941 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/28/2025 | 03/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 833953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.361% | 06/05/2025 | 06/05/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834043 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 02/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2025 | 02/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 834220 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834292 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 834336 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 02/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 | Property Focused |
| xxxxxx | 834395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 03/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 834424 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834440 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 | Property Focused |
| xxxxxx | 834491 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.000% | 03/28/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 | Property Focused |
| xxxxxx | 834501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 | Property Focused |
| xxxxxx | 834871 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 834917 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/15/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Property Focused |
| xxxxxx | 834966 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 835122 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2024 | 04/18/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/02/2025 | 04/18/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 835221 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 835237 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 835243 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 03/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 835251 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/06/2025 | 12/13/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.408% | 01/06/2025 | 01/04/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835252 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 | Property Focused |
| xxxxxx | 835305 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835323 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 835325 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2025 | 03/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835394 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 02/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/06/2025 | 02/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 835398 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/20/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 835426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/04/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835432 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/19/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835451 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835464 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 | Property Focused |
| xxxxxx | 835515 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 | Property Focused |
| xxxxxx | 835625 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 835646 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835648 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835649 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835781 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.129% | 05/09/2025 | 05/09/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 6.129% | xxxxxx | 05/09/2025 | 05/09/2025 |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 835783 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/13/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 835979 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836086 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/19/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/27/2025 | 04/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836218 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.079% | 05/16/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Property Focused |
| xxxxxx | 836255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836296 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/18/2025 | AVM | xxxxxx |  |  | 0.03 | xxxxxx | xxxxxx | 2.259% | 04/18/2025 | 04/18/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/17/2025 | AVM | xxxxxx |  |  | 0.07 | xxxxxx | xxxxxx | 1.346% | 04/17/2025 | 04/17/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 836337 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 836405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 836415 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 836418 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 02/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/24/2025 | 02/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836422 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.256% | 04/11/2025 | 04/11/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836440 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 03/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836542 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 04/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 836544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/11/2025 | 05/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 836570 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 | Property Focused |
| xxxxxx | 836587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 836635 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 04/22/2025 | Field Review | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 06/13/2025 | 04/22/2025 |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 | Mortgagor Focused |
| xxxxxx | 836701 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 | Property Focused |
| xxxxxx | 836702 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 836723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836753 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 | Property Focused |
| xxxxxx | 836759 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 02/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 836771 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 836793 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 836804 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836861 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.991% | xxxxxx | 05/20/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.991% | 05/12/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836869 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/19/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 | Mortgagor Focused |
| xxxxxx | 836907 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836920 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836921 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836942 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 836976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.990% | 05/19/2025 | 05/19/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.990% | xxxxxx | 05/19/2025 | 05/19/2025 |  |  |  | Yes | 1.00 | 1.10 | Property Focused |
| xxxxxx | 836981 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 04/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 | Property Focused |
| xxxxxx | 837034 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/14/2025 | 02/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/12/2025 | 02/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837055 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837071 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/20/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 837096 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 837152 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837180 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.60 | Property Focused |
| xxxxxx | 837240 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 | Property Focused |
| xxxxxx | 837308 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 02/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/05/2025 | 02/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/08/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/07/2025 | AVM | xxxxxx |  |  | 0.03 | xxxxxx | xxxxxx | 35.145% | 04/16/2025 | 04/16/2025 | AVM | xxxxxx | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837492 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/19/2025 | 04/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 | Property Focused |
| xxxxxx | 837496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 | Mortgagor Focused |
| xxxxxx | 837520 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837554 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/04/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 | Property Focused |
| xxxxxx | 837571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 837596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 837612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 837621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 837637 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 | Property Focused |
| xxxxxx | 837655 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.000% | 05/12/2025 | 05/12/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837667 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837684 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.699% | 05/20/2025 | 05/20/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837724 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837728 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 837733 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.104% | 04/02/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Property Focused |
| xxxxxx | 837734 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/28/2025 | 02/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837737 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 02/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/19/2025 | 02/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837739 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 837741 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.645% | xxxxxx | 04/17/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/18/2025 | 04/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 837746 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/27/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837750 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837752 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.455% | 04/28/2025 | 04/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 837777 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837824 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 15.954% | xxxxxx | 05/13/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 | Property Focused |
| xxxxxx | 837843 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 | Mortgagor Focused |
| xxxxxx | 837879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/11/2025 | 05/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 837912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837918 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 | Property Focused |
| xxxxxx | 837947 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 837953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/08/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/02/2024 | 10/02/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/04/2024 | 07/02/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 | Mortgagor Focused |
| xxxxxx | 837979 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/04/2025 | 03/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 03/31/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 | Property Focused |
| xxxxxx | 837999 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 838025 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838076 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/11/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838077 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 03/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/04/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 | Property Focused |
| xxxxxx | 838085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.680% | 05/12/2025 | 05/12/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838093 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/04/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838103 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/06/2025 | 05/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 838119 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 838136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 838144 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.699% | 05/08/2025 | 05/08/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 838150 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 14.852% | 06/20/2025 | 06/20/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 14.852% | xxxxxx | 06/20/2025 | 06/20/2025 |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 838162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/04/2025 | Drive By | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/05/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 838236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/16/2025 | 04/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/29/2025 | 01/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/12/2025 | 01/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 838297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/18/2025 | 02/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838301 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 838305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 838310 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.011% | 05/29/2025 | 04/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838313 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838328 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838331 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 | Mortgagor Focused |
| xxxxxx | 838332 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 838353 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/05/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 838435 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 838438 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/03/2025 | Drive By | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 4.768% | 05/16/2025 | 05/16/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | AVM | xxxxxx |  |  | 0.05 | xxxxxx | xxxxxx | 3.883% | 05/20/2025 | 05/20/2025 | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/03/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 | Mortgagor Focused |
| xxxxxx | 838451 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 | Property Focused |
| xxxxxx | 838462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/16/2025 | 05/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838481 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/17/2025 | 05/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.125% | 05/23/2025 | 05/23/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.60 | Mortgagor Focused |
| xxxxxx | 838492 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Property Focused |
| xxxxxx | 838496 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/31/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 838501 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838507 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 04/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 838509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838541 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 838572 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/20/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | -4.450% | xxxxxx | 0.14 | 03/27/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 838597 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 05/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838629 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 | Property Focused |
| xxxxxx | 838672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/19/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/30/2023 | 10/27/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/01/2023 | 10/27/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 838708 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 05/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 838712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 | Property Focused |
| xxxxxx | 838714 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 838721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 838724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.527% | 06/09/2025 | 06/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 838751 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/15/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.90 | Mortgagor Focused |
| xxxxxx | 838760 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838764 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/04/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838771 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/27/2025 | AVM | xxxxxx |  |  | 0.06 | xxxxxx | xxxxxx | 2.096% | 05/27/2025 | 05/27/2025 | AVM | xxxxxx | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/26/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 838802 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 04/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838806 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 | Mortgagor Focused |
| xxxxxx | 838816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.357% | 07/02/2025 | 05/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 | Mortgagor Focused |
| xxxxxx | 838828 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 838848 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 838850 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/28/2025 | 03/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 | Property Focused |
| xxxxxx | 838938 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.984% | 05/09/2025 | 05/09/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838967 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 839334 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.759% | 05/19/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839338 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839347 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 839364 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839376 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839379 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/26/2025 | 05/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Mortgagor Focused |
| xxxxxx | 839399 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Property Focused |
| xxxxxx | 839451 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 839479 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/09/2025 | 04/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 839488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 839495 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 839505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 839509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/15/2025 | 05/12/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 839521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/26/2025 | 05/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839539 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/03/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 | Mortgagor Focused |
| xxxxxx | 839573 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/10/2025 | AVM | xxxxxx |  |  | 0.06 | xxxxxx | xxxxxx | 3.199% | 06/24/2025 | 06/24/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839591 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/09/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.20 | Mortgagor Focused |
| xxxxxx | 839598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2023 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 | Mortgagor Focused |
| xxxxxx | 839599 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839607 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/05/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839608 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839610 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/02/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839614 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839625 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/15/2024 | 03/13/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/14/2024 | 10/13/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/01/2024 | 10/13/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 839659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839668 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 4.683% | xxxxxx | 05/01/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 | Property Focused |
| xxxxxx | 839705 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11.667% | xxxxxx | 06/06/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11.667% | 06/13/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 839769 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |
| xxxxxx | 839781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 | Property Focused |
| xxxxxx | 839783 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 04/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 | Property Focused |
| xxxxxx | 839829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 | Mortgagor Focused |
| xxxxxx | 839831 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 839846 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/22/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |
| xxxxxx | 839864 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/12/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839910 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 | Mortgagor Focused |
| xxxxxx | 839913 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 839914 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 | Mortgagor Focused |
| xxxxxx | 839930 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/08/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 839951 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 839953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 839965 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 839973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839976 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 06/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 | Mortgagor Focused |
| xxxxxx | 839978 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 9.589% | xxxxxx | 07/09/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 | Mortgagor Focused |
| xxxxxx | 839979 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839991 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/28/2025 | 04/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840042 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 840053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 840054 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840141 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.316% | xxxxxx | 06/19/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.789% | 06/25/2025 | 06/16/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 | Mortgagor Focused |
| xxxxxx | 840155 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.877% | 06/30/2025 | 06/30/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 | Mortgagor Focused |
| xxxxxx | 840237 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/09/2025 | 04/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840241 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/15/2025 | Drive By | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.70 | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Mortgagor Focused |
| xxxxxx | 840303 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 840310 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/21/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 | Mortgagor Focused |
| xxxxxx | 840328 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 840359 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/09/2024 | 12/06/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 12/06/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |
| xxxxxx | 840444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 06/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 840564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 840565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 840566 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/15/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 | Property Focused |
| xxxxxx | 840567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/25/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 840568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 02/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/06/2025 | 02/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 | Property Focused |
| xxxxxx | 840569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840570 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 840571 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/24/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840573 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 840574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/26/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 840575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 840597 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 840602 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/01/2025 | 06/20/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 840635 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 840644 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/10/2025 | Drive By | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 14.172% | 06/25/2025 | 06/25/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 840686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | AVM | xxxxxx |  |  | 0.07 | xxxxxx | xxxxxx | 2.127% | 06/26/2025 | 06/26/2025 | Drive By | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.127% | xxxxxx | 06/26/2025 | 06/26/2025 |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840758 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/15/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840762 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 840772 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/17/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 840789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 06/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 | Mortgagor Focused |
| xxxxxx | 840797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 06/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 | Mortgagor Focused |
| xxxxxx | 840817 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.30 | Mortgagor Focused |
| xxxxxx | 840839 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.172% | 05/28/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2024 | 04/19/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/29/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/01/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 | Mortgagor Focused |
| xxxxxx | 840951 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 04/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 840962 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 | Mortgagor Focused |
| xxxxxx | 840971 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 | Mortgagor Focused |
| xxxxxx | 840983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841062 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 841092 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/28/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841178 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841191 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/24/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 | Mortgagor Focused |
| xxxxxx | 841217 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841283 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 841288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 | Mortgagor Focused |
| xxxxxx | 841299 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 841300 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 841305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.70 | Property Focused |
| xxxxxx | 841364 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841394 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 | Mortgagor Focused |
| xxxxxx | 841529 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 841565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 841585 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/17/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.80 | Mortgagor Focused |
| xxxxxx | 841604 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/30/2023 | 01/30/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/30/2024 | 03/27/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 841651 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 841660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841741 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841803 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 | Mortgagor Focused |
| xxxxxx | 841877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 841879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2025 | 04/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 04/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 | Mortgagor Focused |
| xxxxxx | 841937 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 841976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 | Mortgagor Focused |
| xxxxxx | 841982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 | Mortgagor Focused |
| xxxxxx | 841983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841985 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 842034 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 06/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 | Mortgagor Focused |
| xxxxxx | 842041 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/20/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 842043 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Mortgagor Focused |
| xxxxxx | 842060 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 842071 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 06/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 842075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 | Mortgagor Focused |
| xxxxxx | 842076 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 842315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/29/2025 | 06/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 842627 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 842678 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 842766 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 843545 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Mortgagor Focused |
| xxxxxx | 843551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 843557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 843637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC Supplemental Data**

![](tm2524220d1_ex99-7img001.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **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?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Scope** |
| xxxxxx | 817216 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4107.50 | $1739.57 | xxxxxx | 11.014% | $1414.34 | $1414.34 | 10.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $84746.75 | 1 | xxxxxx | $2505.96 | xxxxxx | $208.83 |  |  |  |  |  | 13.394% | 13.394% | 13.394% | 06/14/2024 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| 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 - 2020 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 4506-C - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4107.50 | xxxxxx | 6.990% | $0.00 | 1 |  |  |  | Yes | No | 10.875% | 0 |  | 0 | 0 | 6 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7522.99 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.750% | xxxxxx | xxxxxx | $8464.21 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 819427 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8613.50 | $11211.44 |  | 11.139% | $2275.13 | $2275.13 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7776.30 | 1 | xxxxxx | $2235.00 | xxxxxx | $186.25 |  |  |  |  |  | 45.874% | 45.874% | 45.874% | 07/01/2024 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 33.340% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2009<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2012<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2014<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 10.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8613.50 |  | 6.690% | $0.00 |  |  |  |  | N/A | No | 10.625% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7648.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.950% | xxxxxx | xxxxxx | $2257.32 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.4 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 822312 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4697.03 | $4900.02 | xxxxxx | 12.008% | $980.77 | $980.77 | 11.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $48911.55 | 1 | xxxxxx | $3421.20 | xxxxxx | $285.10 |  |  |  |  |  | 19.457% | 19.457% | 19.457% | 09/11/2024 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| 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 - 2018<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| 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 - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4697.03 | xxxxxx | 6.400% | $0.00 | 1.6 |  |  |  | N/A | No | 11.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10796.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.250% | xxxxxx | xxxxxx | $3940.21 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 822518 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1495.00 | $3233.42 | xxxxxx | 7.643% | $10616.91 | $10616.91 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $477415.44 | 1 | xxxxxx | $21672.12 | xxxxxx | $1806.01 | xxxxxx | xxxxxx | $473.00 |  | Annually | 6.670% | 6.670% | 6.670% | 12/30/2024 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1495.00 | xxxxxx | 6.620% | $0.00 | 2 |  |  |  | No | No | 7.625% | 4 |  | 2 | 0 | 4 | 2 |  |  | 15.07 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $716053.90 |  | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.11 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830008 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4558.30 | $4558.30 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $6916.08 |  | $576.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $58962.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 38.8 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 830382 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2122.43 | $2122.43 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2004.96 | xxxxxx | $167.08 | xxxxxx |  | $1280.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/03/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 69.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830542 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5687.50 | $5687.50 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $1584.12 | xxxxxx | $132.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/02/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  | 240 | xxxxxx | $1078.75 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 830600 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $944.62 | $944.62 | 7.950% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $1713.24 | xxxxxx | $142.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2024 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 123.96 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.950% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  |  |  |  |  | xxxxxx | $550.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 101.6 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830991 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10386.20 | $12739.70 | xxxxxx | 9.872% | $3027.08 | $3027.08 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19310.45 | 1 | xxxxxx | $1967.04 | xxxxxx | $163.92 |  |  |  |  |  | 39.100% | 39.100% | 39.100% | 02/05/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| 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 - 2016 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10386.20 | xxxxxx | 6.850% | $0.00 | 1 |  |  |  | No | No | 9.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $22520.67 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $1671.12 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.97 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831614 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $943.27 | $943.27 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1524.00 | xxxxxx | $127.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/22/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 831836 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2449.92 | $2449.92 | 7.020% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1878.24 | xxxxxx | $156.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 159.96 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.020% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 16.17 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832841 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2080.64 | $2080.64 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1974.00 | xxxxxx | $164.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $429114.98 | 70.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.88 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832932 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1831.42 | $1831.42 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $825.00 | xxxxxx | $68.75 | xxxxxx |  | $135.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/28/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $25461.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 110.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 832934 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1478.97 | $1478.97 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1767.96 | xxxxxx | $147.33 | xxxxxx |  | $320.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/16/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $9662.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 48.25 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833043 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8589.95 | $10954.49 | xxxxxx | 8.977% | $1463.14 | $1463.14 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10364.51 | 2 | xxxxxx | $1550.40 | xxxxxx | $129.20 |  |  |  |  |  | 15.333% | 15.333% | 15.333% | 05/22/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 1 | No | xxxxxx | xxxxxx | $8589.95 | xxxxxx | 6.620% | $0.00 |  |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 6 | 2 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833143 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1320.26 | $1320.26 | 7.880% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1094.04 | xxxxxx | $91.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.880% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $50251.25 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.07 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833569 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20506.00 | $37894.32 | xxxxxx | 7.708% | $7252.09 | $7252.09 | 7.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10926.93 | 1 | xxxxxx | $728.04 | xxxxxx | $60.67 |  |  |  |  |  | 51.363% | 51.363% | 51.363% | 03/10/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20506.00 | xxxxxx | 6.660% | $0.00 | 4.2 |  |  |  | No | No | 7.375% | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $44848.59 |  | No | 27 | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.68 |  | No | No | xxxxxx | $0.00 | $10188.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833594 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2633.76 | $5658.88 | xxxxxx | 9.355% | $1711.36 | $1711.36 | 9.125% | No | No | Not Employed | Not Employed | Employed |  | 18.95 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $49726.26 | 1 | xxxxxx | $2025.96 | xxxxxx | $168.83 | xxxxxx | xxxxxx | $1821.00 |  | Monthly | 32.017% | 32.017% | 32.017% | 03/10/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2633.76 | xxxxxx | 6.810% | $0.00 | 1.8 |  |  |  | Yes | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  | 29 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  | 1 | xxxxxx | 4.250% | xxxxxx | xxxxxx | $1566.83 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 31.18 |  | No | No | xxxxxx | $0.00 | $73144.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833733 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3142.76 | $3142.76 | 7.125% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1853.64 | xxxxxx | $154.47 | xxxxxx |  | $541.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $251521.04 | 36.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833779 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3243.82 | $3243.82 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 5 | xxxxxx | $4125.00 | xxxxxx | $343.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $265886.14 | 50.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.64 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833923 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1170.08 | $1170.08 | 7.460% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1332.48 | xxxxxx | $111.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 34.2 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.460% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $1494.15 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 54.86 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833941 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7932.03 | $10069.43 | xxxxxx | 8.236% | $1867.78 | $1867.78 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3833.55 | 1 | xxxxxx | $1589.64 | xxxxxx | $132.47 |  |  |  |  |  | 47.981% | 47.981% | 47.981% | 03/10/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7932.03 | xxxxxx | 6.650% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $1050.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833953 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1878.76 | $1878.76 | 6.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1184.76 | xxxxxx | $98.73 | xxxxxx |  | $137.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/26/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $259933.57 | 70.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 84.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834043 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1970.63 | $1970.63 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $915.00 | xxxxxx | $76.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 116.45 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834107 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2095.26 | $2095.26 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1866.00 | xxxxxx | $155.50 | xxxxxx |  | $558.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/19/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $132320.66 | 31.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834220 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1324.71 | $1324.71 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1510.08 | xxxxxx | $125.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/30/2024 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 58.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834292 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10230.00 | $12506.42 | xxxxxx | 8.020% | $2465.57 | $2465.57 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $20976.49 | 1 | xxxxxx | $9891.12 | xxxxxx | $824.26 |  |  |  |  |  | 33.926% | 33.926% | 33.926% | 03/14/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10230.00 | xxxxxx | 6.340% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 3 | 0 | 3 | 0 | 3 | 3 |  |  | 3.43 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $2049.37 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834336 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1085.05 | $1085.05 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1008.00 | xxxxxx | $84.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $34052.07 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834395 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1087.60 | $1087.60 | 7.875% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 1 | xxxxxx | $701.04 | xxxxxx | $58.42 | xxxxxx |  | $954.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $445882.60 | 100.000% | No |  |  |  |  | Yes | Final | Leasehold | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 131.7 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834424 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1647.75 | $1647.75 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2141.88 | xxxxxx | $178.49 | xxxxxx |  | $766.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/01/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834440 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1422.67 | $1422.67 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2414.28 | xxxxxx | $201.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $307173.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 180.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834491 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3800.36 | $3800.36 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5650.08 | xxxxxx | $470.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.66 | 1.52 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834501 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1916.39 | $1916.39 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1881.00 | xxxxxx | $156.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $427433.16 | 75.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834871 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1012.25 | $1012.25 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2909.04 | xxxxxx | $242.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.49 | 0.4 |  |  |  |  |  |  |  | xxxxxx | $6207.47 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834917 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1228.46 | $1228.46 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1184.04 | xxxxxx | $98.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834966 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1277.93 | $1277.93 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $642.96 | xxxxxx | $53.58 | xxxxxx |  | $180.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/28/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $155550.58 | 66.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835122 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8406.25 | $11751.81 | xxxxxx | 7.036% | $4368.58 | $4368.58 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10848.45 | 2 | xxxxxx | $1655.04 | xxxxxx | $137.92 |  |  |  |  |  | 53.325% | 53.325% | 53.325% | 03/12/2024 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8406.25 | xxxxxx | 6.880% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.875% | 3 |  | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $187537.69 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 134.19 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835221 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2762.70 | $2762.70 | 7.375% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $770.04 | xxxxxx | $64.17 | xxxxxx |  | $276.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835237 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1330.24 | $1330.24 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $696.72 | xxxxxx | $58.06 | xxxxxx |  | $260.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/30/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $397445.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 288.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835243 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1788.72 | $1788.72 | 7.125% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 2 | xxxxxx | $1679.04 | xxxxxx | $139.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.79 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835251 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3605.47 | $3605.47 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 6 | xxxxxx | $5076.00 | xxxxxx | $423.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/06/2024 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  | 240 | xxxxxx | $5310.77 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.79 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835252 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4791.76 | $4791.76 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3267.00 | xxxxxx | $272.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $26556.48 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835305 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1005.25 | $1005.25 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2005.20 | xxxxxx | $167.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835323 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11562.97 | $13162.38 | xxxxxx | 7.900% | $1458.15 | $1458.15 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15185.60 | 1 | xxxxxx | $2948.04 | xxxxxx | $245.67 |  |  |  |  |  | 39.365% | 39.365% | 39.365% | 03/10/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11562.97 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $9393.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.44 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835325 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1348.20 | $1348.20 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1706.04 | xxxxxx | $142.17 | xxxxxx |  | $130.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/05/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $131498.56 | 53.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 28.43 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835394 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2045.00 | $4548.06 | xxxxxx | 9.849% | $3015.63 | $3015.63 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $149506.63 | 3 | xxxxxx | $2973.96 | xxxxxx | $247.83 |  |  |  |  |  | 29.169% | 29.169% | 29.169% | 02/10/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2045.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | No | No | 9.750% | 3 |  | 2 | 0 | 3 | 0 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $4364.23 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.8 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835398 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2343.75 | $2343.75 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1352.04 | xxxxxx | $112.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | xxxxxx | $1352.00 | 0.270% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835426 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2510.41 | $2510.41 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1838.04 | xxxxxx | $153.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $284203.13 | 46.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835432 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6811.10 | $7520.91 | xxxxxx | 8.880% | $1292.12 | $1292.12 | 8.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6984.81 | 1 | xxxxxx | $1180.44 | xxxxxx | $98.37 |  |  |  |  |  | 35.336% | 35.336% | 35.336% | 03/27/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6811.10 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $1494.29 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 31.68 |  |  | No | xxxxxx | $0.00 | $3657.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835451 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2655.84 | $2655.84 | 6.980% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2343.00 | xxxxxx | $195.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.980% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $20068.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 104.98 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835464 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2167.87 | $2167.87 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2192.04 | xxxxxx | $182.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 72.39 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835508 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1276.12 | $1276.12 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2432.40 | xxxxxx | $202.70 | xxxxxx |  | $177.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/02/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $2100.00 | 0.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835515 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1138.92 | $1138.92 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1836.12 | xxxxxx | $153.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.97 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835625 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4904.20 | $4904.20 | 7.120% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1793.04 | xxxxxx | $149.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 166.56 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.120% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  | 240 | xxxxxx | $68510.12 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.97 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835639 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1406.74 | $1406.74 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1449.96 | xxxxxx | $120.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $37285.24 | 14.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835646 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1669.24 | $1669.24 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1278.96 | xxxxxx | $106.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/22/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $58686.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 133.95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835648 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1830.43 | $1830.43 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1287.96 | xxxxxx | $107.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/22/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 108.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835649 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $12755.89 | $12755.89 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $12317.76 | xxxxxx | $1026.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $317638.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.64 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835781 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18309.00 | $21577.57 | xxxxxx | 9.432% | $4023.11 | $4023.11 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16792.02 | 1 | xxxxxx | $3104.28 | xxxxxx | $258.69 | xxxxxx |  | $75.00 |  | Monthly | 48.046% | 48.046% | 48.046% | 04/08/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.400% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18309.00 | xxxxxx | 6.620% | $0.00 | 2.6 |  |  |  | No | No | 9.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.625% | xxxxxx | xxxxxx | $5683.27 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835783 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $583.33 | $583.33 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1274.04 | xxxxxx | $106.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 111 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835979 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9307.20 | $10211.40 | xxxxxx | 8.033% | $2650.73 | $2650.73 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $25187.28 | 1 | xxxxxx | $6418.08 | xxxxxx | $534.84 | xxxxxx |  | $75.00 |  | Monthly | 46.162% | 46.162% | 46.162% | 04/08/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 96.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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 - 2025<br> [Coborrower(s) - xxxxxx \| 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 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9307.20 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $40678.82 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 67.8 |  | No | No | xxxxxx | $46783.32 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836086 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8356.66 | $8356.66 | 7.250% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $3924.00 | xxxxxx | $327.00 | xxxxxx |  | $143.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $379254.37 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836157 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1326.85 | $1326.85 | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1155.60 | xxxxxx | $96.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/11/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $93271.61 | 35.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836179 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2914.60 | $6280.69 | xxxxxx | 9.566% | $6558.66 | $6558.66 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38356.51 | 1 | xxxxxx | $2987.04 | xxxxxx | $248.92 | xxxxxx | xxxxxx | $70.00 |  | Monthly | 19.609% | 19.609% | 19.609% | 04/02/2025 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2914.60 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836218 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6992.15 | $6992.15 | 7.500% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $19980.60 | xxxxxx | $1665.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 91.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836255 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10753.75 | $17191.21 |  | 8.852% | $11601.86 | $11601.86 | 8.750% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $32061.99 | 1 | xxxxxx | $1670.04 | xxxxxx | $139.17 | xxxxxx | xxxxxx | $435.00 |  | Annually | 37.965% | 37.965% | 37.965% | 03/27/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10753.75 |  | 6.620% | $20000.00 | 1 |  |  |  | Yes | No | 8.750% | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $802247.31 | 46.230% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 38.63 |  | No | No | xxxxxx | $0.00 | $24479.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836296 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7120.00 | $8609.25 | xxxxxx | 8.812% | $1520.14 | $1520.14 | 8.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12861.01 | 1 | xxxxxx | $3754.44 | xxxxxx | $312.87 | xxxxxx | xxxxxx | $25.00 |  | Monthly | 37.281% | 37.281% | 37.281% | 04/09/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 96 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7120.00 | xxxxxx | 6.700% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $23095.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $795.81 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 79.23 |  | No | No | xxxxxx | $10252.80 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836310 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2636.90 | $3320.40 | xxxxxx | 9.398% | $819.55 | $819.55 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6908.34 | 1 | xxxxxx | $7087.44 | xxxxxx | $590.62 |  |  |  |  |  | 37.444% | 37.444% | 37.444% | 03/25/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2636.90 | xxxxxx | 6.080% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16254.13 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $1538.49 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836321 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1489.33 | $1489.33 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $785.52 | xxxxxx | $65.46 | xxxxxx |  | $187.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/10/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $232309.15 | 72.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836337 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7668.99 | $10526.74 | xxxxxx | 8.119% | $2733.51 | $2733.51 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12480.33 | 1 | xxxxxx | $3707.04 | xxxxxx | $308.92 |  |  |  |  |  | 28.561% | 28.561% | 28.561% | 04/15/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7668.99 | xxxxxx | 6.700% | $0.00 | 1.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $9788.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836405 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1461.96 | $1461.96 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $685.08 | xxxxxx | $57.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $170070.51 | 61.170% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836415 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3440.80 | $3440.80 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5330.52 | xxxxxx | $444.21 | xxxxxx |  | $330.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/04/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $654636.78 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836418 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2271.64 | $2271.64 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1319.16 | xxxxxx | $109.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 92.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836422 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1590.00 | $2545.64 | xxxxxx | 9.223% | $799.56 | $799.56 | 8.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9598.13 | 1 | xxxxxx | $1910.76 | xxxxxx | $159.23 | xxxxxx | xxxxxx | $25.00 |  | Monthly | 34.526% | 34.526% | 34.526% | 04/09/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 | xxxxxx | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.125% | xxxxxx | xxxxxx | $1368.66 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836440 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1943.89 | $1943.89 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1511.04 | xxxxxx | $125.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.69 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836542 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1506.75 | $1506.75 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2356.44 | xxxxxx | $196.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $81830.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 31.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836544 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2916.11 | $2916.11 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1641.00 | xxxxxx | $136.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $374449.46 | 52.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836570 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2743.13 | $2743.13 | 8.250% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1797.12 | xxxxxx | $149.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 101.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836587 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1050.36 | $1050.36 | 8.375% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2616.96 | xxxxxx | $218.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $32458.81 | 14.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 836635 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12730.60 | $14583.65 | xxxxxx | 7.444% | $2878.80 | $2878.80 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12531.58 | 1 | xxxxxx | $3270.24 | xxxxxx | $272.52 |  |  |  |  |  | 49.945% | 49.945% | 49.945% | 04/01/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2008 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12730.60 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $17448.28 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836665 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 | $1182.00 |  | 7.160% | $1872.26 | $1872.26 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2264.61 | 1 | xxxxxx | $1188.36 | xxxxxx | $99.03 | xxxxxx | xxxxxx | $200.00 |  | Annually | 48.364% | 48.364% | 48.364% | 04/09/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.930% | $0.00 | 1.1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $103579.63 | 28.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.4 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836684 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $24298.00 | $27788.00 |  | 8.365% | $4060.39 | $4060.39 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31602.48 | 1 | xxxxxx | $1035.00 | xxxxxx | $86.25 |  |  |  |  |  | 19.784% | 19.784% | 19.784% | 04/14/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008<br> [Borrower - xxxxxx \| 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 - 2008 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24298.00 |  | 6.700% | $0.00 | 2.5 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23404.25 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.72 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836701 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2202.53 | $2202.53 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1924.20 | xxxxxx | $160.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $73306.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836702 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5327.13 | $5327.13 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1877.28 | xxxxxx | $156.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.62 | 1.63 |  |  |  |  |  |  |  | xxxxxx | $17295.02 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836723 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11662.74 | $12863.18 | xxxxxx | 8.482% | $2672.72 | $2672.72 | 8.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9017.74 | 1 | xxxxxx | $915.00 | xxxxxx | $76.25 |  |  |  |  |  | 44.611% | 44.611% | 44.611% | 06/02/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11662.74 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.98 |  | Yes | No | xxxxxx | $8398.87 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836753 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2368.37 | $2368.37 | 8.250% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2072.28 | xxxxxx | $172.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $16636.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.73 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836759 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4470.41 | $4470.41 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2331.96 | xxxxxx | $194.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $372307.21 | 38.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.4 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836771 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1551.37 | $1551.37 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2097.96 | xxxxxx | $174.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $204318.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 207.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836793 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1592.28 | $1592.28 | 8.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2352.00 | xxxxxx | $196.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $57700.84 | 22.800% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836804 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1780.00 | $2485.00 | xxxxxx | 10.709% | $521.11 | $521.11 | 10.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3947.29 | 1 | xxxxxx | $1265.28 | xxxxxx | $105.44 |  |  |  |  |  | 30.107% | 30.107% | 30.107% | 04/22/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1780.00 | xxxxxx | 6.270% | $0.00 | 1 |  |  |  | Yes | No | 10.000% | 2 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.625% | xxxxxx | xxxxxx | $880.38 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836861 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2387.62 | $2387.62 | 7.250% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $4950.72 | xxxxxx | $412.56 | xxxxxx | xxxxxx | $2578.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.28 | 0.44 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | Property Focused |
| xxxxxx | 836869 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16227.50 | $11607.92 | xxxxxx | 7.950% | $7613.23 | $7613.23 | 7.875% | No | No | Not Employed | Not Employed | Self-Employed |  | 15.32 |  |  |  | xxxxxx |  |  |  |  |  | $54956.06 | 1 | xxxxxx | $3513.96 | xxxxxx | $292.83 | xxxxxx | xxxxxx | $430.00 |  | Annually | 14.517% | 14.517% | 14.517% | 05/06/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2010<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16227.50 | xxxxxx | 6.920% | $0.00 | 5 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1865058.36 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 181.22 |  | No | No | xxxxxx | $64288.79 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836907 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3607.95 | $3607.95 | 7.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 2 | xxxxxx | $1715.04 | xxxxxx | $142.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.53 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836920 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5593.72 | $5593.72 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1497.96 | xxxxxx | $124.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $24390.24 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 113.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836921 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8050.00 | $10477.19 | xxxxxx | 8.169% | $2537.74 | $2537.74 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8083.12 | 1 | xxxxxx | $1710.96 | xxxxxx | $142.58 | xxxxxx |  | $58.00 |  | Monthly | 33.054% | 33.054% | 33.054% | 06/09/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8050.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $10132.66 |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836942 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1422.49 | $1422.49 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1689.96 | xxxxxx | $140.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $397300.57 | 96.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836976 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8360.44 | $8360.44 | 9.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2505.96 | xxxxxx | $208.83 | xxxxxx |  | $284.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/09/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.77 |  |  |  |  |  |  |  | xxxxxx | $594750.05 | 43.890% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836981 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9790.96 | $9790.96 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $11215.20 | xxxxxx | $934.60 | xxxxxx |  | $3500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/14/2025 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $909084.37 | 46.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.59 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837034 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3876.37 | $3876.37 | 8.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2104.56 | xxxxxx | $175.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx | $198468.00 | 29.180% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837041 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5347.30 | $5347.30 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1416.96 | xxxxxx | $118.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.78 |  |  |  |  |  |  |  | xxxxxx | $437306.69 | 34.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837055 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2324.89 | $2324.89 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $3287.64 | xxxxxx | $273.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.2 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837071 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1583.27 | $1583.27 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2244.96 | xxxxxx | $187.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837096 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5995.00 | $10090.25 | xxxxxx | 9.533% | $4158.75 | $4158.75 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25497.90 | 1 | xxxxxx | $5477.28 | xxxxxx | $456.44 | xxxxxx |  | $1265.00 |  | Annually | 32.077% | 32.077% | 32.077% | 04/15/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 54.36 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5995.00 | xxxxxx | 6.880% | $0.00 | 1.5 |  |  |  | N/A | No | 9.375% | 0 |  | 2 | 0 | 1 | 2 |  |  | 3.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $15053.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.875% | xxxxxx | xxxxxx | $2540.20 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837152 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2355.21 | $2355.21 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2646.36 | xxxxxx | $220.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 117.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837180 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1932.81 | $1932.81 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1622.04 | xxxxxx | $135.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.63 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837231 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2486.12 | $2486.12 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1100.04 | xxxxxx | $91.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/23/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $164037.05 | 38.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.89 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837240 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7280.18 | $11544.98 | xxxxxx | 9.836% | $4228.70 | $4228.70 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $99410.19 | 1 | xxxxxx | $46022.40 | xxxxxx | $3835.20 |  |  |  |  |  | 25.588% | 25.588% | 25.588% | 04/28/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2020<br> [Borrower - xxxxxx \| 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 - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7280.18 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16183.04 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $3272.85 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.32 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837252 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7465.71 | $7465.71 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4476.00 | xxxxxx | $373.00 | xxxxxx |  | $345.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/14/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.54 | 1.84 |  |  |  |  |  |  |  | xxxxxx | $465582.89 | 35.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837308 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4050.00 | $5541.66 | xxxxxx | 8.887% | $1563.36 | $1563.36 | 8.625% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8036.96 | 1 | xxxxxx | $1265.04 | xxxxxx | $105.42 |  |  |  |  |  | 47.682% | 47.682% | 47.682% | 04/10/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4050.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20042.26 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.690% | xxxxxx | xxxxxx | $2511.19 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.89 |  | No | No | xxxxxx | $0.00 | $9537.69 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837341 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2900.84 | $2900.84 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1823.04 | xxxxxx | $151.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $650256.31 | 92.890% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.57 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837342 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3470.00 | $5109.25 | xxxxxx | 7.591% | $3328.26 | $3328.26 | 7.500% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $13444.50 | 1 | xxxxxx | $4838.04 | xxxxxx | $403.17 | xxxxxx | xxxxxx | $950.00 |  | Annually | 44.127% | 44.127% | 44.127% | 04/30/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3470.00 | xxxxxx | 6.740% | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | 7.500% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $60523.67 | 10.170% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 30.24 |  | No | No | xxxxxx | $0.00 | $24062.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837482 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3600.00 | $4172.95 | xxxxxx | 9.520% | $976.36 | $976.36 | 9.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11765.22 | 1 | xxxxxx | $4640.16 | xxxxxx | $386.68 | xxxxxx |  | $42.92 |  | Monthly | 29.409% | 29.409% | 29.409% | 04/16/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3600.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | N/A | No | 9.125% | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7987.30 |  | No | 11 |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $1269.02 | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837492 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $979.58 | $979.58 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1781.04 | xxxxxx | $148.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $103190.49 | 57.970% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837496 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2194.00 | $5726.93 |  | 7.802% | $5777.86 | $5777.86 | 7.750% | No | No | Not Employed | Employed | Employed |  | 22.23 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $21916.18 | 1 | xxxxxx | $1704.96 | xxxxxx | $142.08 | xxxxxx | xxxxxx | $2100.00 |  | Annually | 34.582% | 34.582% | 34.582% | 02/27/2025 | 808 | 806 | 815 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2194.00 |  | 6.620% | $0.00 | 2.7 |  |  |  | Yes | No | 7.750% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1033453.10 | 100.000% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 122.23 |  | No | No | xxxxxx | $0.00 | $33501.91 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837520 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1734.09 | $1734.09 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2016.00 | xxxxxx | $168.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/01/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837540 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1588.55 | $1588.55 | 7.375% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2046.00 | xxxxxx | $170.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $90879.35 | 25.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837554 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3752.23 | $3752.23 | 7.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $2011.56 | xxxxxx | $167.63 | xxxxxx |  | $338.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $73836.59 | 10.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.08 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837571 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2195.00 | $4218.06 | xxxxxx | 7.731% | $2123.38 | $2123.38 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5863.58 | 1 | xxxxxx | $1781.04 | xxxxxx | $148.42 |  |  |  |  |  | 34.249% | 34.249% | 34.249% | 05/05/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2195.00 | xxxxxx | 6.930% | $0.00 | 1.4 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $39054.08 | 5.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837596 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1545.82 | $1545.82 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $489.96 | xxxxxx | $40.83 | xxxxxx |  | $293.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/23/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $66138.15 | 20.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837612 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6695.00 | $11187.83 | xxxxxx | 7.628% | $6292.93 | $6292.93 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19195.04 | 1 | xxxxxx | $810.96 | xxxxxx | $67.58 |  |  |  |  |  | 38.054% | 38.054% | 38.054% | 05/06/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6695.00 | xxxxxx | 6.830% | $10000.00 |  |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $213519.69 | 16.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.82 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837621 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2680.66 | $2680.66 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $857.04 | xxxxxx | $71.42 | xxxxxx |  | $1214.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/07/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $387292.86 | 74.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 46.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837637 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6922.22 | $6922.22 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $738.96 | xxxxxx | $61.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 91.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837655 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5718.28 | $5718.28 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 7 | xxxxxx | $3910.44 | xxxxxx | $325.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837667 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1076.79 | $1076.79 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1100.04 | xxxxxx | $91.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/09/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 27.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837684 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1076.79 | $1076.79 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $990.96 | xxxxxx | $82.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/09/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | No | 24.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837686 | xxxxxx | N/A |  |  | xxxxxx | No | No | $102159.00 | $51635.47 | xxxxxx | 8.020% | $6992.15 | $6992.15 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35001.43 | 2 | xxxxxx | $1665.96 | xxxxxx | $138.83 |  |  |  |  |  | 42.327% | 42.327% | 42.327% | 06/09/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2012<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $102159.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $91935.86 | 7.350% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.68 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837723 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8109.00 | $7690.00 | xxxxxx | 9.617% | $2188.32 | $2188.32 | 9.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $29014.29 | 1 | xxxxxx | $896.04 | xxxxxx | $74.67 | xxxxxx | xxxxxx | $32.00 |  | Monthly | 15.939% | 15.939% | 15.939% | 04/16/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8109.00 | xxxxxx | 6.800% | $0.00 | 1 |  |  |  | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7145.52 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.74 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837724 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1166.50 | $1166.50 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $228.00 | xxxxxx | $19.00 | xxxxxx | xxxxxx | $384.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/11/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.74 |  |  |  |  |  |  | 240 | xxxxxx | $700.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.35 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837728 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $777.67 | $777.67 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $962.88 | xxxxxx | $80.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 2 | 164.88 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 107.79 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837733 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1061.31 | $1061.31 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $632.04 | xxxxxx | $52.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837734 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1089.65 | $1089.65 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3187.08 | xxxxxx | $265.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.31 | 0.43 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837737 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $743.44 | $743.44 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $2084.04 | xxxxxx | $173.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.96 | 0.5 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 83.05 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837739 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1950.42 | $1950.42 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1660.92 | xxxxxx | $138.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 9.12 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837741 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1329.78 | $1329.78 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1408.68 | xxxxxx | $117.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/01/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 257.52 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 98.22 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837746 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $944.93 | $944.93 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1467.12 | xxxxxx | $122.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 224.56 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837750 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2242.22 | $2242.22 | 8.375% | No | No |  |  |  |  | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2966.04 | xxxxxx | $247.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $351305.90 | 64.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 29.62 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837752 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1272.58 | $1272.58 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1107.00 | xxxxxx | $92.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.16 | 0.46 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 112.79 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837772 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2525.19 | $2525.19 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $956.04 | xxxxxx | $79.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $213089.81 | 57.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 50.97 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837777 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1890.00 | $2765.58 |  | 9.109% | $590.03 | $590.03 | 8.750% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3479.63 | 1 | xxxxxx | $1521.00 | xxxxxx | $126.75 |  |  |  |  |  | 36.368% | 36.368% | 36.368% | 05/07/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1890.00 |  | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $40.25 |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.375% | xxxxxx | xxxxxx | $906.45 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837824 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1739.05 | $1739.05 | 7.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1625.04 | xxxxxx | $135.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 99.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837843 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13150.00 | $4160.22 | xxxxxx | 9.246% | $3254.53 | $3254.53 | 9.125% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12359.50 | 1 | xxxxxx | $2130.12 | xxxxxx | $177.51 |  |  |  |  |  | 46.908% | 46.908% | 46.908% | 04/30/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13150.00 | xxxxxx | 6.870% | $0.00 | 4.3 |  |  |  | No | No | 9.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2530.84 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 58.06 |  |  | No | xxxxxx | $0.00 | $10654.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837879 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12241.81 | $7080.42 | xxxxxx | 8.198% | $2160.26 | $2160.26 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16126.28 | 1 | xxxxxx | $912.12 | xxxxxx | $76.01 | xxxxxx | xxxxxx | $26.00 |  | Monthly | 30.423% | 30.423% | 30.423% | 04/21/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12241.81 | xxxxxx | 6.800% | $9741.00 | 2.6 |  |  |  | No | No | 8.000% | 2 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $73372.75 | 22.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837899 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15229.20 | $9024.80 | xxxxxx | 7.991% | $4263.41 | $4263.41 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11402.63 | 1 | xxxxxx | $1574.52 | xxxxxx | $131.21 |  |  |  |  |  | 35.351% | 35.351% | 35.351% | 05/05/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $15229.20 | xxxxxx | 6.800% | $5000.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $115989.18 | 15.780% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837906 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1888.98 | $1888.98 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $972.96 | xxxxxx | $81.08 | xxxxxx |  | $170.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/22/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $55533.32 | 16.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.19 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837912 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $33935.00 | $38410.00 | xxxxxx | 7.811% | $8166.83 | $8166.83 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16768.45 | 1 | xxxxxx | $7725.00 | xxxxxx | $643.75 |  |  |  |  |  | 44.089% | 44.089% | 44.089% | 05/08/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $33935.00 | xxxxxx | 6.800% | $30000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $3104344.37 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 307.5 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837918 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2513.57 | $2513.57 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $659.40 | xxxxxx | $54.95 | xxxxxx |  | $745.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/21/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $228511.60 | 43.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837947 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2149.24 | $2149.24 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $4161.00 | xxxxxx | $346.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/11/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.19 | 0.46 |  |  |  |  |  |  |  | xxxxxx | $92180.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837953 | xxxxxx | N/A |  |  | xxxxxx | No | No | $48850.00 | $21853.93 | xxxxxx | 7.896% | $5549.10 | $5549.10 | 7.625% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15529.04 | 1 | xxxxxx | $2447.40 | xxxxxx | $203.95 |  |  |  |  |  | 44.264% | 44.264% | 44.264% | 03/10/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $48850.00 | xxxxxx | 6.800% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $675749.80 | 68.950% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 63.69 |  | No | No | xxxxxx | $16301.24 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837957 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8896.00 | $10517.94 | xxxxxx | 7.191% | $3078.57 | $3078.57 | 6.990% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7377.76 | 1 | xxxxxx | $4549.56 | xxxxxx | $379.13 |  |  |  |  |  | 54.812% | 54.812% | 54.812% | 09/10/2024 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Account Statements - 2024 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8896.00 | xxxxxx | 6.120% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 6.990% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $212282.49 | 36.660% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.31 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837958 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $0.00 |  | xxxxxx | 6.849% | $1313.86 | $1313.86 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2095.04 | 1 | xxxxxx | $2229.00 | xxxxxx | $185.75 |  |  |  |  |  | 45.432% | 45.432% | 45.432% | 06/27/2024 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Child Support]; Account Statements - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Child Support]; Child Support Order - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Child Support]; Other - 2012 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.990% | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $196070.99 | 78.420% | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.48 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837979 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6027.87 | $6027.87 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1344.48 | xxxxxx | $112.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.5 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837996 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2556.05 | $2556.05 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1149.96 | xxxxxx | $95.83 | xxxxxx |  | $1681.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/04/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $167327.66 | 36.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837999 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6570.80 | $7017.14 | xxxxxx | 10.890% | $2990.29 | $2990.29 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32800.02 | 1 | xxxxxx | $12135.00 | xxxxxx | $1011.25 |  |  |  |  |  | 25.123% | 25.123% | 25.123% | 05/13/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2011<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2011 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6570.80 | xxxxxx | 6.800% | $0.00 | 1.3 |  |  |  | N/A | No | 10.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.500% | xxxxxx | xxxxxx | $3531.60 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838004 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3190.00 | $4385.57 | xxxxxx | 10.117% | $849.99 | $849.99 | 9.625% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7064.76 | 1 | xxxxxx | $2470.08 | xxxxxx | $205.84 | xxxxxx |  | $120.00 |  | Monthly | 30.328% | 30.328% | 30.328% | 04/21/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022 | Full Documentation (F) | 1yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 52.44 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3190.00 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | No | No | 9.625% | 2 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.750% | xxxxxx | xxxxxx | $1461.13 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 31.34 |  |  | No | xxxxxx | $0.00 | $3640.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838025 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1496.88 | $1496.88 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1396.92 | xxxxxx | $116.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $70795.27 | 27.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838048 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10674.00 | $11576.67 |  | 8.439% | $3075.42 | $3075.42 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19546.69 | 1 | xxxxxx | $545.16 | xxxxxx | $45.43 |  |  |  |  |  | 25.286% | 25.286% | 25.286% | 02/28/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10674.00 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.360% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838076 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2990.91 | $2990.91 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $3669.96 | xxxxxx | $305.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $877355.63 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 181.79 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838077 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2017.54 | $2017.54 | 7.250% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1465.44 | xxxxxx | $122.12 | xxxxxx |  | $545.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $616766.15 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 130.58 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838085 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3640.08 | $3640.08 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 5 | xxxxxx | $3131.04 | xxxxxx | $260.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 118.44 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $139862.65 | 22.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.44 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838093 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7740.03 | $9422.35 | xxxxxx | 8.332% | $1450.15 | $1450.15 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25149.65 | 1 | xxxxxx | $1784.04 | xxxxxx | $148.67 | xxxxxx | xxxxxx | $2940.00 |  | Annually | 9.960% | 9.960% | 9.960% | 04/16/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7740.03 | xxxxxx | 6.800% | $0.00 | 1.7 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.58 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838100 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5186.16 | $7642.66 |  | 7.697% | $2349.36 | $2349.36 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8003.46 | 1 | xxxxxx | $1579.20 | xxxxxx | $131.60 |  |  |  |  |  | 48.947% | 48.947% | 48.947% | 04/18/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5186.16 |  | 6.800% | $14775.10 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10490.60 | 2.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.02 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838103 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1647.26 | $1647.26 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $968.04 | xxxxxx | $80.67 | xxxxxx |  | $93.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/09/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $68691.31 | 21.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.77 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838119 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1484.46 | $1484.46 | 7.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1146.96 | xxxxxx | $95.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838136 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5144.82 | $5144.82 | 7.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2562.96 | xxxxxx | $213.58 | xxxxxx |  | $168.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/08/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | xxxxxx | $595038.39 | 59.340% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 41.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838144 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19947.00 | $20823.43 | xxxxxx | 9.146% | $3500.05 | $3500.05 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8394.39 | 1 | xxxxxx | $3450.96 | xxxxxx | $287.58 | xxxxxx | xxxxxx | $637.00 |  | Annually | 44.904% | 44.904% | 44.904% | 04/27/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 64.000% | 100.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| 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 - 2021<br> [Borrower - xxxxxx \| 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 - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19947.00 | xxxxxx | 6.800% | $16000.00 | 1 |  |  |  | N/A | No | 8.625% | 2 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $124186.73 | 24.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.94 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838147 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1861.86 | $1861.86 | 7.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $3657.00 | xxxxxx | $304.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $198671.17 | 50.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 28.72 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838150 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3313.21 | $3313.21 | 7.000% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1665.00 | xxxxxx | $138.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | xxxxxx | $16299.62 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 42.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838162 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3954.60 | $4239.21 | xxxxxx | 8.289% | $4791.88 | $4791.88 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38953.72 | 1 | xxxxxx | $2022.00 | xxxxxx | $168.50 |  |  |  |  |  | 17.322% | 17.322% | 17.322% | 04/29/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3954.60 | xxxxxx | 6.800% | $0.00 | 3.5 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $43306.81 | 5.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838173 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6720.00 | $7680.58 |  | 8.051% | $1791.03 | $1791.03 | 7.750% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11005.85 | 1 | xxxxxx | $3197.04 | xxxxxx | $266.42 |  |  |  |  |  | 33.912% | 33.912% | 33.912% | 05/15/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6720.00 |  | 6.800% | $0.00 |  |  |  |  | No | No | 7.750% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.750% | xxxxxx | xxxxxx | $1750.11 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 57.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838214 | xxxxxx | N/A |  |  | xxxxxx | No | No | $29740.00 | $15887.38 | xxxxxx | 8.031% | $3940.27 | $3940.27 | 7.750% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | Foreign National |  |  |  | xxxxxx |  |  | $116503.67 | 1 | xxxxxx | $1395.00 | xxxxxx | $116.25 | xxxxxx | xxxxxx | $2000.00 |  | Monthly | 5.915% | 5.915% | 5.915% | 05/08/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 24 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| 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 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2002<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| 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 - Year Not Available |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29740.00 | xxxxxx | 6.670% | $0.00 | 1.6 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3865.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Trust | Business Entity |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Passport, VISA |  |  | No | 41.11 |  | No | No | xxxxxx | $123828.41 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838236 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16185.00 | $20806.26 | xxxxxx | 9.917% | $7037.91 | $7037.91 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $169346.99 | 1 | xxxxxx | $3072.00 | xxxxxx | $256.00 |  |  |  |  |  | 8.028% | 8.028% | 8.028% | 04/09/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $16185.00 | xxxxxx | 6.800% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $211681.21 | 23.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.79 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838258 | xxxxxx | N/A |  |  | xxxxxx | No | No | $30689.63 | $12335.00 | xxxxxx | 8.677% | $3198.00 | $3198.00 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $93983.65 | 1 | xxxxxx | $3660.00 | xxxxxx | $305.00 |  |  |  |  |  | 13.662% | 13.662% | 13.662% | 04/09/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30689.63 | xxxxxx | 6.800% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.37 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838260 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5575.00 | $8529.31 | xxxxxx | 11.136% | $3064.39 | $3064.39 | 10.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19134.77 | 1 | xxxxxx | $2724.00 | xxxxxx | $227.00 |  |  |  |  |  | 41.924% | 41.924% | 41.924% | 01/08/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5575.00 | xxxxxx | 6.930% | $0.00 | 2.6 |  |  |  | No | No | 10.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $105789.28 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.450% | xxxxxx | xxxxxx | $2074.99 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.49 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838297 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5661.73 | $3627.56 | xxxxxx | 7.182% | $3123.64 | $3123.64 | 7.125% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8748.21 | 1 | xxxxxx | $1518.00 | xxxxxx | $126.50 | xxxxxx |  | $1450.00 |  | Annually | 49.264% | 49.264% | 49.264% | 01/17/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5661.73 | xxxxxx | 6.620% | $10741.83 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.125% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 5 | 19 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.34 |  | Yes | No | xxxxxx | $0.00 | $8909.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838301 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12100.00 | $5488.67 |  | 8.032% | $6310.38 | $6310.38 | 8.000% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $18118.55 | 1 | xxxxxx | $623.04 | xxxxxx | $51.92 | xxxxxx |  | $88.00 |  | Monthly | 48.693% | 48.693% | 48.693% | 05/21/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12100.00 |  | 6.870% | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $6100.50 |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 1.47 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838305 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1036.70 | $1036.70 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $612.00 | xxxxxx | $51.00 | xxxxxx |  | $223.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/05/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $35506.29 | 16.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 24.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838310 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10781.25 | $10781.25 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $10905.96 | xxxxxx | $908.83 | xxxxxx |  | $50.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/15/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.34 |  |  |  |  |  |  | 240 | xxxxxx | $193395.11 | 9.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.77 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838313 | xxxxxx | N/A |  |  | xxxxxx | No | No | $61745.00 | $13305.30 | xxxxxx | 8.518% | $7562.72 | $7562.72 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $23036.42 | 1 | xxxxxx | $2939.04 | xxxxxx | $244.92 |  |  |  |  |  | 39.865% | 39.865% | 39.865% | 05/29/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2009<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $61745.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $32631.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 8.57 |  |  | Yes | xxxxxx | $38307.96 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838328 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2995.00 | $4248.92 | xxxxxx | 8.111% | $788.05 | $788.05 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7720.87 | 1 | xxxxxx | $3186.12 | xxxxxx | $265.51 |  |  |  |  |  | 31.741% | 31.741% | 31.741% | 05/12/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 4506-C - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2995.00 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 2 |  | 1 | 0 | 6 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.500% | xxxxxx | xxxxxx | $1151.94 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.67 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838331 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6199.40 | $13013.46 | xxxxxx | 7.942% | $8120.78 | $8120.78 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $38871.82 | 1 | xxxxxx | $1878.96 | xxxxxx | $156.58 |  |  |  |  |  | 33.726% | 33.726% | 33.726% | 04/15/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Borrower - xxxxxx \| 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 - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6199.40 | xxxxxx | 6.880% | $0.00 | 2.8 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $53948.41 | 3.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.92 |  | No | No | xxxxxx | $28740.15 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838332 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1762.65 | $1762.65 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1906.20 | xxxxxx | $158.85 | xxxxxx |  | $63.33 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/24/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $143457.51 | 37.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838353 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1360.00 | $8937.48 | xxxxxx | 7.770% | $7750.00 | $9851.38 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34056.88 | 1 | xxxxxx | $2198.04 | xxxxxx | $183.17 |  |  |  |  |  | 31.574% | 27.352% | 31.574% | 05/20/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1360.00 | xxxxxx | 6.930% | $9400.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $37481.77 | 2.340% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.21 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838401 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1748.04 | $1748.04 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1747.56 | xxxxxx | $145.63 | xxxxxx |  | $186.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/10/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $4101922.49 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Foreign Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 1754.6 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838435 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1807.77 | $1807.77 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3159.00 | xxxxxx | $263.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.56 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 2.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838436 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2732.73 | $2732.73 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2108.04 | xxxxxx | $175.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $89972.28 | 18.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838438 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4720.00 | $5657.44 | xxxxxx | 8.118% | $1074.62 | $1074.62 | 7.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4622.84 | 1 | xxxxxx | $1290.96 | xxxxxx | $107.58 |  |  |  |  |  | 44.841% | 44.841% | 44.841% | 05/09/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4720.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 7.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $2165.83 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 38.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838446 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2995.92 | $3906.79 | xxxxxx | 10.286% | $1234.10 | $1234.10 | 10.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6843.54 | 1 | xxxxxx | $2550.96 | xxxxxx | $212.58 |  |  |  |  |  | 47.884% | 47.884% | 47.884% | 05/20/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2995.92 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $35.91 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.500% | xxxxxx | xxxxxx | $1616.33 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.17 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838449 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2195.00 | $4651.75 | xxxxxx | 8.175% | $4811.38 | $4811.38 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20265.68 | 1 | xxxxxx | $2265.36 | xxxxxx | $188.78 | xxxxxx | xxxxxx | $225.00 |  | Annually | 33.807% | 33.807% | 33.807% | 05/29/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| 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 - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2195.00 | xxxxxx | 6.920% | $0.00 | 2.1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $212814.46 | 26.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838451 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3626.04 | $3626.04 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2344.80 | xxxxxx | $195.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 119.53 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838462 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3878.77 | $3878.77 | 8.875% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 2 | xxxxxx | $1473.96 | xxxxxx | $122.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $237111.83 | 36.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 25.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838481 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $25175.00 | $31629.62 | xxxxxx | 8.135% | $7841.63 | $7841.63 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $60941.97 | 1 | xxxxxx | $3079.08 | xxxxxx | $256.59 |  |  |  |  |  | 21.608% | 21.608% | 21.608% | 05/12/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25175.00 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 53.11 |  |  | No | xxxxxx | $77739.58 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838488 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12345.00 | $15069.67 | xxxxxx | 7.556% | $14000.00 | $18045.29 | 7.500% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $27146.30 | 1 | xxxxxx | $2446.08 | xxxxxx | $203.84 |  |  |  |  |  | 44.753% | 36.520% | 44.753% | 05/08/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12345.00 | xxxxxx | 6.870% | $0.00 | 3.6 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | xxxxxx | $4334655.17 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 314.81 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838492 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1755.10 | $1755.10 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $982.32 | xxxxxx | $81.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838496 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2901.74 | $2901.74 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4955.04 | xxxxxx | $412.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/21/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 96.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838498 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1790.00 | $5179.68 | xxxxxx | 8.042% | $2320.23 | $2320.23 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12022.27 | 1 | xxxxxx | $339.48 | xxxxxx | $28.29 | xxxxxx | xxxxxx | $456.00 |  | Monthly | 46.341% | 46.341% | 46.341% | 04/27/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 2 | 0 | 2 | 2 |  |  | 4.13 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $303056.28 | 75.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.58 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838501 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3542.21 | $3542.21 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4119.96 | xxxxxx | $343.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.52 | 1.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838507 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3188.03 | $3188.03 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2580.00 | xxxxxx | $215.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 767 | 772 | 767 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 24.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838509 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2195.00 | $7686.51 | xxxxxx | 7.968% | $4379.42 | $4379.42 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10684.08 | 1 | xxxxxx | $4639.92 | xxxxxx | $386.66 |  |  |  |  |  | 41.704% | 41.704% | 41.704% | 05/19/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2195.00 | xxxxxx | 6.920% | $13000.00 | 1 |  |  |  | N/A | No | 7.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $155441.29 | 20.580% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.95 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838541 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4725.00 | $5656.39 | xxxxxx | 8.657% | $1565.75 | $1565.75 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15964.60 | 1 | xxxxxx | $2230.20 | xxxxxx | $185.85 |  |  |  |  |  | 33.940% | 33.940% | 33.940% | 05/20/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4725.00 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2468.61 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.13 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838572 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $795.36 | $795.36 | 7.500% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $1908.00 | xxxxxx | $159.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.26 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | Property Focused |
| xxxxxx | 838597 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3812.50 | $3812.50 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5993.76 | xxxxxx | $499.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838629 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6439.77 | $6439.77 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1394.04 | xxxxxx | $116.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/06/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | xxxxxx | $30.84 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.45 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838672 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2455.00 | $5083.72 | xxxxxx | 7.637% | $1710.99 | $1710.99 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4954.70 | 1 | xxxxxx | $1106.16 | xxxxxx | $92.18 | xxxxxx |  | $550.00 |  | Monthly | 38.867% | 38.866% | 38.866% | 05/23/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2455.00 | xxxxxx | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $400234.00 | 100.000% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.25 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838673 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $30120.00 | $29948.33 | xxxxxx | 7.789% | $11914.06 | $15248.51 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26901.07 | 3 | xxxxxx | $4166.88 | xxxxxx | $347.24 |  |  |  |  |  | 49.657% | 43.417% | 49.657% | 04/03/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30120.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $15629.30 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.19 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838678 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3490.00 | $4268.40 | xxxxxx | 11.428% | $700.11 | $700.11 | 10.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $1870.32 | 1 | xxxxxx | $780.00 | xxxxxx | $65.00 | xxxxxx | xxxxxx | $87.00 |  | Monthly | 49.949% | 49.949% | 49.949% | 10/04/2023 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Account Statements - 2023<br> [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Account Statements - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2022 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 65.28 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3490.00 | xxxxxx | 7.840% | $0.00 |  |  |  |  | N/A | No | 10.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4664.71 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx |  | xxxxxx | xxxxxx | $877.00 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 27.5 |  |  | No | xxxxxx | $1098.88 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838683 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8595.00 | $11972.52 | xxxxxx | 8.135% | $6457.13 | $6457.13 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $51063.67 | 1 | xxxxxx | $1971.00 | xxxxxx | $164.25 |  |  |  |  |  | 12.585% | 12.585% | 12.585% | 05/20/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8595.00 | xxxxxx | 6.920% | $0.00 | 1.9 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $374195.95 | 34.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.84 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838708 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2654.37 | $2654.37 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $900.12 | xxxxxx | $75.01 | xxxxxx |  | $500.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/14/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  | 240 | xxxxxx | $9742.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.77 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838712 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1646.88 | $1646.88 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2825.04 | xxxxxx | $235.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  | 240 | xxxxxx | $227740.77 | 66.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838714 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2213.71 | $2213.71 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2270.76 | xxxxxx | $189.23 | xxxxxx |  | $537.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/18/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.1 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838721 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1274.03 | $1274.03 | 7.625% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2571.24 | xxxxxx | $214.27 | xxxxxx |  | $706.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/26/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $150376.23 | 50.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Trust | Business Entity |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 6.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838724 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1899.36 | $1899.36 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2166.96 | xxxxxx | $180.58 | xxxxxx |  | $155.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/10/2025 | 789 | 817 | 789 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $487649.91 | 74.450% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 26.77 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838751 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26722.87 | $12251.66 | xxxxxx | 9.793% | $5864.93 | $5864.93 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21877.37 | 1 | xxxxxx | $6225.96 | xxxxxx | $518.83 |  |  |  |  |  | 36.334% | 36.334% | 36.334% | 04/09/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - 2021<br> [Borrower - xxxxxx \| 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 - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx | $26722.87 | xxxxxx | 6.740% | $0.00 | 4.9 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10450.00 | 1.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.82 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838760 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2503.70 | $2503.70 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2733.12 | xxxxxx | $227.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 13 |  | xxxxxx | 1 |  | 95.4 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $755186.14 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 97.79 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838764 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2664.63 | $2664.63 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $848.04 | xxxxxx | $70.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.57 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838771 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2459.25 | $2916.26 | xxxxxx | 9.045% | $583.34 | $583.34 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1948.99 | 1 | xxxxxx | $1470.00 | xxxxxx | $122.50 |  |  |  |  |  | 48.108% | 48.108% | 48.108% | 05/08/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2007 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2459.25 | xxxxxx | 6.930% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5327.72 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.375% | xxxxxx | xxxxxx | $938.51 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10319.81 | $13526.80 | xxxxxx | 9.014% | $3811.56 | $3811.56 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11485.77 | 1 | xxxxxx | $2406.96 | xxxxxx | $200.58 |  |  |  |  |  | 32.729% | 32.729% | 32.729% | 06/06/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10319.81 | xxxxxx | 6.930% | $17100.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3249.42 | 0.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838777 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19380.50 | $29906.01 | xxxxxx | 9.232% | $9377.88 | $9377.88 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $48217.26 | 1 | xxxxxx | $6339.96 | xxxxxx | $528.33 |  |  |  |  |  | 32.429% | 32.429% | 32.429% | 05/13/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19380.50 | xxxxxx | 6.930% | $115000.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $188191.06 | 14.530% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.74 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838802 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8896.88 | $8896.88 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1944.84 | xxxxxx | $162.07 | xxxxxx |  | $150.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/31/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838806 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9355.00 | $11619.59 | xxxxxx | 9.357% | $1941.37 | $1941.37 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4998.22 | 1 | xxxxxx | $1497.00 | xxxxxx | $124.75 |  |  |  |  |  | 46.346% | 46.346% | 46.346% | 05/28/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9355.00 | xxxxxx | 6.930% | $0.00 | 2.9 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.85 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838809 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6922.60 | $8358.65 | xxxxxx | 7.561% | $9509.32 | $9509.32 | 7.500% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $37810.91 | 1 | xxxxxx | $4725.00 | xxxxxx | $393.75 |  |  |  |  |  | 35.973% | 35.973% | 35.973% | 05/27/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 78.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.91000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.51000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6922.60 | xxxxxx | 6.890% | $0.00 | 1.7 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $6620.90 |  | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 41.44 |  | No | No | xxxxxx | $34387.19 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838816 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23285.00 | $35147.54 | xxxxxx | 8.020% | $11025.00 | $13921.78 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $191779.26 | 1 | xxxxxx | $11722.92 | xxxxxx | $976.91 | xxxxxx |  | $300.00 |  | Annually | 9.970% | 8.611% | 9.970% | 05/01/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23285.00 | xxxxxx | 6.930% | $0.00 | 4 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $281000.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.63 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838828 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1147.13 | $1147.13 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $860.04 | xxxxxx | $71.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $5045.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838848 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3570.00 | $4523.64 | xxxxxx | 10.202% | $747.99 | $747.99 | 9.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3087.64 | 1 | xxxxxx | $2299.20 | xxxxxx | $191.60 | xxxxxx | xxxxxx | $140.00 |  | Annually | 44.134% | 44.134% | 44.134% | 05/23/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3570.00 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 9.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.000% | xxxxxx | xxxxxx | $986.44 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.7 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838850 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2652.77 | $2652.77 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $958.92 | xxxxxx | $79.91 | xxxxxx |  | $104.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/24/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $3200.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 1.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838938 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4920.00 | $6395.26 | xxxxxx | 9.148% | $1258.72 | $1258.72 | 8.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $4549.19 | 1 | xxxxxx | $1668.00 | xxxxxx | $139.00 |  |  |  |  |  | 48.832% | 48.832% | 48.832% | 05/28/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2024 |  | Full Documentation (F) | 1yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 79.08 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4920.00 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $1469.51 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.51 |  |  | No | xxxxxx | $8890.73 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838947 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7766.00 | $3606.56 | xxxxxx | 8.293% | $1479.05 | $1479.05 | 8.125% | No | No | Not Employed | Employed | Employed |  | 0.1 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $20225.08 | 1 | xxxxxx | $3945.96 | xxxxxx | $328.83 |  |  |  |  |  | 14.542% | 14.542% | 14.542% | 05/29/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7766.00 | xxxxxx | 6.930% | $0.00 | 3.8 |  |  |  | No | No | 8.125% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $117087.12 | 47.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 26.79 |  | No | No | xxxxxx | $0.00 | $23666.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838955 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13170.00 | $20081.76 | xxxxxx | 9.491% | $6293.47 | $6293.47 | 9.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $53428.72 | 1 | xxxxxx | $2795.04 | xxxxxx | $232.92 |  |  |  |  |  | 13.486% | 13.486% | 13.486% | 05/30/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $13170.00 | xxxxxx | 6.930% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $33497.77 | 3.940% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838962 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6040.00 | $7245.34 | xxxxxx | 9.029% | $1153.38 | $1153.38 | 8.500% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12455.63 | 1 | xxxxxx | $1320.00 | xxxxxx | $110.00 |  |  |  |  |  | 39.580% | 39.580% | 39.580% | 05/06/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6040.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.990% | xxxxxx | xxxxxx | $3157.99 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.34 |  |  | No | xxxxxx | $0.00 | $15485.60 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838967 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1769.13 | $1769.13 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1028.04 | xxxxxx | $85.67 | xxxxxx |  | $150.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/27/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839334 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2755.26 | $2755.26 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4318.80 | xxxxxx | $359.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.57 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839338 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15675.00 | $19356.80 | xxxxxx | 7.827% | $6596.64 | $6596.64 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35038.37 | 1 | xxxxxx | $2940.60 | xxxxxx | $245.05 |  |  |  |  |  | 19.420% | 19.420% | 19.420% | 05/09/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15675.00 | xxxxxx | 6.930% | $34950.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $252613.98 | 21.680% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839347 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7345.00 | $9192.50 | xxxxxx | 8.486% | $2936.70 | $3470.82 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6927.76 | 1 | xxxxxx | $3550.20 | xxxxxx | $295.85 |  |  |  |  |  | 37.020% | 32.165% | 37.020% | 04/30/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7345.00 | xxxxxx | 6.710% | $0.00 | 1.6 |  |  |  | N/A | No | 9.301% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $40878.98 | 6.810% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839364 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1590.00 | $6079.16 | xxxxxx | 8.721% | $3173.38 | $3173.38 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23308.81 | 1 | xxxxxx | $1369.08 | xxxxxx | $114.09 | xxxxxx |  | $1279.00 |  | Monthly | 32.542% | 32.542% | 32.542% | 05/16/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2014<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 | xxxxxx | 6.930% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 8.625% | 2 |  | 1 | 0 | 3 | 1 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $59405.45 | 11.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.57 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839376 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8082.50 | $14133.50 | xxxxxx | 9.746% | $4120.19 | $4120.19 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $230608.75 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $350.00 |  | Monthly | 10.843% | 10.843% | 10.843% | 04/24/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8082.50 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $637.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $2384.93 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.06 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839379 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25845.00 | $11878.94 | xxxxxx | 7.881% | $5731.30 | $5731.30 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $15321.10 | 1 | xxxxxx | $2667.96 | xxxxxx | $222.33 |  |  |  |  |  | 38.277% | 38.277% | 38.277% | 05/05/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25845.00 | xxxxxx | 6.880% | $0.00 | 1.8 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $449655.49 | 37.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 9.89 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839399 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $716.41 | $716.41 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2334.00 | xxxxxx | $194.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839451 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4850.00 | $2571.12 | xxxxxx | 8.355% | $1389.84 | $1389.84 | 8.250% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4788.06 | 1 | xxxxxx | $1542.00 | xxxxxx | $128.50 |  |  |  |  |  | 41.067% | 41.067% | 41.067% | 05/08/2025 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |  | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4850.00 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $739664.83 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.940% | xxxxxx | xxxxxx | $1455.95 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 282.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839479 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1276.38 | $1276.38 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $936.00 | xxxxxx | $78.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839488 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9460.00 | $14411.53 | xxxxxx | 8.018% | $5771.55 | $5771.55 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22200.21 | 3 | xxxxxx | $4994.04 | xxxxxx | $416.17 |  |  |  |  |  | 25.380% | 25.380% | 25.380% | 05/30/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9460.00 | xxxxxx | 6.770% | $20000.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $99500.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839495 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2403.55 | $2403.55 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2083.68 | xxxxxx | $173.64 | xxxxxx |  | $253.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/12/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 42.2 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839505 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1809.84 | $1809.84 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $879.96 | xxxxxx | $73.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/01/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $260318.75 | 69.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839509 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2148.86 | $2148.86 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1487.16 | xxxxxx | $123.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $170215.95 | 37.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839521 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23962.50 | $30517.16 |  | 8.765% | $6071.08 | $6071.08 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $121782.95 | 1 | xxxxxx | $5586.96 | xxxxxx | $465.58 |  |  |  |  |  | 17.167% | 17.167% | 17.167% | 05/15/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23962.50 |  | 6.800% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20000.00 | 2.250% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.57 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839539 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6676.25 | $8185.32 | xxxxxx | 8.505% | $1196.04 | $1196.04 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11873.51 | 1 | xxxxxx | $830.04 | xxxxxx | $69.17 | xxxxxx | xxxxxx | $465.00 |  | Annually | 27.650% | 27.650% | 27.650% | 05/30/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6676.25 | xxxxxx | 6.930% | $0.00 | 2.5 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6775.35 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839573 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2334.29 | $2797.65 | xxxxxx | 9.137% | $384.46 | $384.46 | 8.500% | No | No | Not Employed | Not Employed | Employed |  | 7.68 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $2975.84 | 1 | xxxxxx | $1461.48 | xxxxxx | $121.79 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 46.715% | 46.715% | 46.715% | 06/02/2025 | 765 | 768 | 765 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2334.29 | xxxxxx | 6.920% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  | 29 |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  | 1 | xxxxxx | 5.000% | xxxxxx | xxxxxx | $747.39 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 30.08 |  |  | No | xxxxxx | $0.00 | $5584.80 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839574 | xxxxxx | N/A |  |  | xxxxxx | No | No | $44028.70 | $17783.53 | xxxxxx | 8.549% | $6729.49 | $6729.49 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38374.93 | 1 | xxxxxx | $2478.00 | xxxxxx | $206.50 |  |  |  |  |  | 34.954% | 34.954% | 34.954% | 04/21/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $44028.70 | xxxxxx | 6.920% | $7000.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.66 |  | No | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839591 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $35457.00 | $6974.66 | xxxxxx | 7.920% | $8120.78 | $8120.78 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24504.36 | 1 | xxxxxx | $2049.96 | xxxxxx | $170.83 | xxxxxx |  | $298.00 |  | Monthly | 36.660% | 36.660% | 36.660% | 04/03/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $35457.00 | xxxxxx | 6.650% | $0.00 | 4.2 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $343493.59 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839598 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $4822.11 | $8401.56 | xxxxxx | 9.020% | $3507.20 | $3507.20 | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11503.88 | 1 | xxxxxx | $1769.88 | xxxxxx | $147.49 | xxxxxx | xxxxxx | $696.00 |  | Annually | 36.607% | 36.607% | 36.607% | 04/21/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2012<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2012<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4822.11 | xxxxxx | 6.920% | $0.00 | 3.4 |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $221053.91 | 39.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.47 |  |  | No | xxxxxx | $9073.39 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839599 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1925.06 | $1925.06 | 7.875% | No | No |  |  |  |  | 0 |  |  | Not Provided | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $2333.04 | xxxxxx | $194.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 101.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839607 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1854.36 | $1854.36 | 7.875% | No | No |  |  |  |  | 0 |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $2244.96 | xxxxxx | $187.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 101.62 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839608 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1957.69 | $1957.69 | 7.875% | No | No |  |  |  |  | 0 |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $2007.00 | xxxxxx | $167.25 | xxxxxx |  | $35.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/20/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 101.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839610 | xxxxxx | N/A |  |  | xxxxxx | No | No | $75410.00 | $15941.89 |  | 8.945% | $11636.31 | $11636.31 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $44260.55 | 2 | xxxxxx | $4472.04 | xxxxxx | $372.67 |  |  |  |  |  | 34.109% | 34.109% | 34.109% | 04/25/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $75410.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $54384.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.1 |  | No | No | xxxxxx | $67172.76 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839614 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2148.02 | $2148.02 | 7.875% | No | No |  |  |  |  | 0 |  |  | Not Provided | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $2007.00 | xxxxxx | $167.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 101.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839625 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7489.95 | $9088.72 | xxxxxx | 7.021% | $3481.72 | $3481.72 | 6.875% | No | No | Not Employed | Not Employed | Non-Employment Income | Self-Employed | 0 | 12.45 |  |  | xxxxxx | xxxxxx |  |  |  |  | $5153.61 | 1 | xxxxxx | $2223.96 | xxxxxx | $185.33 |  |  |  |  |  | 46.516% | 46.516% | 46.516% | 05/02/2025 | 770 | 770 | 767 | 775 | 798 | 783 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 32.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| 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 - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7489.95 | xxxxxx | 6.920% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $25004.96 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 23.48 |  |  | No | xxxxxx | $3492.23 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839626 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2932.85 | $4958.25 | xxxxxx | 7.084% | $2845.45 | $2845.45 | 6.925% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $2694.91 | 1 | xxxxxx | $1870.32 | xxxxxx | $155.86 |  |  |  |  |  | 59.822% | 59.822% | 59.822% | 03/11/2024 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2932.85 | xxxxxx | 6.820% | $5000.00 | 1.4 | LP / LPA |  | Accept/Eligible | No | No | 6.925% | 3 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $68862.26 | 13.580% | No | 24 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 3.33 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839627 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1590.00 | $11353.76 | xxxxxx | 9.916% | $12141.34 | $12141.34 | 9.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $76438.70 | 1 | xxxxxx | $2874.12 | xxxxxx | $239.51 |  |  |  |  |  | 19.523% | 19.523% | 19.523% | 10/03/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| 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 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| 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 - 2024<br> [Coborrower(s) - xxxxxx \| 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 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 | xxxxxx | 6.730% | $10000.00 | 1 |  |  |  | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $443323.65 | 28.530% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.89 |  | Yes | No | xxxxxx | $94981.50 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839659 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1355.83 | $1355.83 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $825.00 | xxxxxx | $68.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $6421.24 | 2.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.46 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839668 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $839.06 | $839.06 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $801.96 | xxxxxx | $66.83 | xxxxxx |  | $246.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/03/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.56 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 63.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839705 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $21345.00 | $25688.61 | xxxxxx | 8.376% | $14499.45 | $14499.45 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26141.16 | 1 | xxxxxx | $14757.00 | xxxxxx | $1229.75 |  |  |  |  |  | 43.841% | 43.841% | 43.841% | 05/13/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| 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 - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| 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 - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21345.00 | xxxxxx | 6.920% | $0.00 | 2.8 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $24527.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.15 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839758 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9510.00 | $13104.17 | xxxxxx | 8.573% | $3215.42 | $3215.42 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10447.85 | 1 | xxxxxx | $1722.96 | xxxxxx | $143.58 | xxxxxx |  | $702.00 |  | Monthly | 41.023% | 41.023% | 41.023% | 03/17/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9510.00 | xxxxxx | 6.880% | $34500.00 | 2.6 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $102366.93 | 19.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839769 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1500.00 | $5203.42 | xxxxxx | 8.036% | $7337.65 | $7337.65 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11481.00 | 1 | xxxxxx | $1875.96 | xxxxxx | $156.33 | xxxxxx | xxxxxx | $115.00 |  | Monthly | 44.729% | 44.729% | 44.729% | 05/20/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1500.00 | xxxxxx | 6.890% | $126000.00 | 2.1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $49000.00 | 3.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839781 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1484.99 | $1484.99 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2904.12 | xxxxxx | $242.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $172277.09 | 68.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839783 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1048.82 | $1048.82 | 7.500% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1274.52 | xxxxxx | $106.21 | xxxxxx |  | $170.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $224124.95 | 71.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839829 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15958.48 | $6229.75 | xxxxxx | 7.769% | $3001.05 | $3001.05 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26401.81 | 1 | xxxxxx | $3738.84 | xxxxxx | $311.57 | xxxxxx | xxxxxx | $480.00 |  | Annually | 15.897% | 15.897% | 15.897% | 05/22/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15958.48 | xxxxxx | 6.920% | $0.00 | 1.9 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $118999.74 | 22.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839831 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1442.13 | $1442.13 | 7.500% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1625.88 | xxxxxx | $135.49 | xxxxxx |  | $2148.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/09/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 122.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839846 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13775.00 | $13085.51 | xxxxxx | 7.765% | $3999.51 | $3999.51 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7662.62 | 1 | xxxxxx | $1341.12 | xxxxxx | $111.76 |  |  |  |  |  | 41.057% | 41.057% | 41.057% | 06/03/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13775.00 | xxxxxx | 6.920% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839859 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $9367.00 | $11066.36 | xxxxxx | 8.552% | $2826.26 | $2826.26 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18384.64 | 1 | xxxxxx | $3218.04 | xxxxxx | $268.17 | xxxxxx | xxxxxx | $850.00 |  | Annually | 28.180% | 28.180% | 28.180% | 04/16/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9367.00 | xxxxxx | 6.920% | $0.00 | 2.1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $4430.00 | 1.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839864 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1398.43 | $1398.43 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $657.96 | xxxxxx | $54.83 | xxxxxx |  | $405.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/11/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 31.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839910 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1865.00 | $3209.75 | xxxxxx | 9.772% | $1016.38 | $1016.38 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17904.92 | 1 | xxxxxx | $2217.96 | xxxxxx | $184.83 |  |  |  |  |  | 39.204% | 39.204% | 39.204% | 05/06/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1865.00 | xxxxxx | 6.510% | $0.00 | 2.9 |  |  |  | No | No | 9.375% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $18417.39 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 7.625% | xxxxxx | xxxxxx | $8417.18 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.18 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839913 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8877.13 | $11497.74 | xxxxxx | 7.943% | $2680.77 | $2680.77 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14937.07 | 1 | xxxxxx | $1331.52 | xxxxxx | $110.96 |  |  |  |  |  | 41.244% | 41.244% | 41.244% | 05/29/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8877.13 | xxxxxx | 6.880% | $0.00 | 1.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $8018.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.65 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839914 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $7043.00 | $9080.64 | xxxxxx | 7.771% | $3790.24 | $3790.24 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7911.75 | 1 | xxxxxx | $1655.04 | xxxxxx | $137.92 |  |  |  |  |  | 39.777% | 39.777% | 39.777% | 03/27/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7043.00 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $228904.73 | 32.050% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.29 |  | Yes | No | xxxxxx | $0.00 | $6834.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839917 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5545.00 | $7563.40 | xxxxxx | 10.647% | $2007.27 | $2007.27 | 10.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22033.06 | 1 | xxxxxx | $957.96 | xxxxxx | $79.83 | xxxxxx | xxxxxx | $100.00 |  | Monthly | 33.481% | 33.481% | 33.481% | 05/09/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-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 - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5545.00 | xxxxxx | 6.920% | $0.00 | 4.4 |  |  |  | No | No | 10.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30104.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 7.749% | xxxxxx | xxxxxx | $7199.25 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839930 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $5447.00 | $7010.66 | xxxxxx | 8.569% | $2851.79 | $2851.79 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7550.42 | 2 | xxxxxx | $1764.96 | xxxxxx | $147.08 |  |  |  |  |  | 38.729% | 38.729% | 38.729% | 05/12/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5447.00 | xxxxxx | 6.920% | $12345.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $164512.06 | 35.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.03 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839937 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2419.38 | $2419.38 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $813.00 | xxxxxx | $67.75 | xxxxxx |  | $725.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/28/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $127624.57 | 28.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839951 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1314.89 | $1314.89 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1689.96 | xxxxxx | $140.83 | xxxxxx |  | $33.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/05/2025 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $430451.13 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 215.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839953 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6049.00 | $7031.66 | xxxxxx | 7.572% | $2489.19 | $2489.19 | 7.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5818.91 | 1 | xxxxxx | $1036.68 | xxxxxx | $86.39 | xxxxxx |  | $258.00 |  | Monthly | 36.849% | 36.849% | 36.849% | 02/07/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6049.00 | xxxxxx | 6.870% | $370.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $144077.33 | 31.980% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 15.88 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839965 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $725.21 | $725.21 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4296.36 | xxxxxx | $358.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $500.00 | 0.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839973 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8550.00 | $11582.65 | xxxxxx | 7.668% | $2486.43 | $2486.43 | 7.375% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6312.93 | 1 | xxxxxx | $1131.00 | xxxxxx | $94.25 | xxxxxx | xxxxxx | $750.00 |  | Annually | 42.610% | 42.610% | 42.610% | 05/12/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8550.00 | xxxxxx | 6.930% | $109000.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 | 0.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 5.89 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839976 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19915.00 | $20763.27 | xxxxxx | 7.721% | $15925.36 | $15925.36 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43363.96 | 1 | xxxxxx | $3167.04 | xxxxxx | $263.92 |  |  |  |  |  | 33.476% | 33.476% | 33.476% | 05/19/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19915.00 | xxxxxx | 6.920% | $0.00 | 3.3 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $29810.79 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839978 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2145.00 | $6597.75 | xxxxxx | 7.279% | $6971.84 | $6971.84 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17528.18 | 1 | xxxxxx | $2703.96 | xxxxxx | $225.33 |  |  |  |  |  | 38.238% | 38.238% | 38.238% | 05/07/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2145.00 | xxxxxx | 6.920% | $0.00 | 2.8 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 126.24 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839979 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1893.75 | $4133.64 | xxxxxx | 7.629% | $1852.92 | $1852.92 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6708.41 | 1 | xxxxxx | $1664.04 | xxxxxx | $138.67 |  |  |  |  |  | 34.552% | 34.552% | 34.552% | 05/14/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1893.75 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 65.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839981 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5845.00 | $12214.17 | xxxxxx | 7.624% | $4375.00 | $4894.50 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8926.89 | 1 | xxxxxx | $743.16 | xxxxxx | $61.93 | xxxxxx |  | $295.00 |  | Monthly | 41.271% | 37.853% | 41.271% | 04/21/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5845.00 | xxxxxx | 6.920% | $16690.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $805.00 | 0.080% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839991 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1712.86 | $1712.86 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $957.00 | xxxxxx | $79.75 | xxxxxx |  | $355.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/31/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840042 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8922.97 | $11147.09 | xxxxxx | 8.043% | $2584.82 | $2584.82 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5559.93 | 1 | xxxxxx | $552.96 | xxxxxx | $46.08 | xxxxxx |  | $399.00 |  | Monthly | 36.457% | 36.457% | 36.457% | 05/02/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8922.97 | xxxxxx | 6.870% | $0.00 | 1.1 |  |  |  | Yes | No | 7.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $31756.26 |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840053 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1611.93 | $1611.93 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1220.04 | xxxxxx | $101.67 | xxxxxx |  | $145.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/28/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $141257.81 | 47.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 25.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840054 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3317.31 | $4365.49 | xxxxxx | 11.507% | $820.31 | $820.31 | 10.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4954.49 | 1 | xxxxxx | $1764.00 | xxxxxx | $147.00 |  |  |  |  |  | 49.228% | 49.228% | 49.228% | 05/29/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3317.31 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 10.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 5.250% | xxxxxx | xxxxxx | $1854.76 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840141 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $14521.80 | xxxxxx | 7.012% | $16632.57 | $16632.57 | 7.000% | No | No | Not Employed | Not Employed | Non-Employment Income |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $111806.80 | 1 | xxxxxx | $9420.00 | xxxxxx | $785.00 | xxxxxx |  | $3955.35 |  | Monthly | 19.163% | 19.163% | 19.163% | 05/09/2025 | 730 | 695 | 739 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.830% | $0.00 | 4.1 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $12044542.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 625.41 |  | No | No | xxxxxx | $138311.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840155 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2910.59 | $2910.59 | 8.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $10162.20 | xxxxxx | $846.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 14.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840183 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11218.00 | $14944.54 | xxxxxx | 7.015% | $5419.66 | $5419.66 | 6.875% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $28523.34 | 1 | xxxxxx | $2821.56 | xxxxxx | $235.13 |  |  |  |  |  | 24.395% | 24.395% | 24.395% | 06/03/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11218.00 | xxxxxx | 6.880% | $0.00 | 3.3 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $4748571.34 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 546.72 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840237 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1805.36 | $1805.36 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3254.16 | xxxxxx | $271.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 55.47 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840241 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $0.00 |  | xxxxxx | 10.125% | $886.82 | $886.82 | 10.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12187.51 | 1 | xxxxxx | $1971.00 | xxxxxx | $164.25 |  |  |  |  |  | 31.358% | 31.358% | 31.358% | 06/04/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-T - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-T - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 10.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $7206.37 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.826% | xxxxxx | xxxxxx | $1760.93 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.23 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840280 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $5044.48 | xxxxxx | 8.690% | $3500.06 | $3500.06 | 8.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $12557.84 | 1 | xxxxxx | $1758.96 | xxxxxx | $146.58 |  |  |  |  |  | 41.070% | 41.070% | 41.070% | 04/16/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.670% | $0.00 | 4.7 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $57729.24 | 9.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.15 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840295 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19706.60 | $15536.60 | xxxxxx | 9.488% | $3783.39 | $3783.39 | 9.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8439.01 | 1 | xxxxxx | $1565.04 | xxxxxx | $130.42 |  |  |  |  |  | 48.658% | 48.658% | 48.658% | 04/29/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 4506-C - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No | xxxxxx | xxxxxx | $19706.60 | xxxxxx | 6.880% | $0.00 | 2.4 |  |  |  | No | No | 9.125% | 2 |  | 1 | 0 | 6 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1640.30 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.000% | xxxxxx | xxxxxx | $2986.23 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.42 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840303 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1949.00 | $3696.44 | xxxxxx | 9.656% | $1107.92 | $1107.92 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13325.85 | 1 | xxxxxx | $1785.96 | xxxxxx | $148.83 |  |  |  |  |  | 31.142% | 31.142% | 31.142% | 05/22/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1949.00 | xxxxxx | 6.830% | $0.00 | 4.5 |  |  |  | No | No | 9.375% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $137637.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $2381.69 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840304 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $24905.80 | $28826.44 | xxxxxx | 7.501% | $5093.31 | $5093.31 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9247.60 | 1 | xxxxxx | $2451.00 | xxxxxx | $204.25 |  |  |  |  |  | 44.489% | 44.489% | 44.489% | 04/29/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24905.80 | xxxxxx | 6.880% | $23500.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 | 2 | 1 | 0 | 2 | 2 |  |  | 4.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $132200.36 | 15.730% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.11 |  |  | No | xxxxxx | $6272.25 | $5477.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840310 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7930.00 | $9260.55 | xxxxxx | 7.484% | $5901.13 | $5901.13 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $10717.53 | 1 | xxxxxx | $2217.00 | xxxxxx | $184.75 |  |  |  |  |  | 38.558% | 38.558% | 38.558% | 05/02/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7930.00 | xxxxxx | 6.880% | $0.00 | 4.4 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $20692.41 | 1.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 12.68 |  |  | No | xxxxxx | $7419.46 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840328 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7430.00 | $8240.77 | xxxxxx | 8.141% | $2378.23 | $2378.23 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7457.39 | 1 | xxxxxx | $1527.96 | xxxxxx | $127.33 |  |  |  |  |  | 32.852% | 32.852% | 32.852% | 05/27/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7430.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.74 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840359 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5845.00 | $7582.37 | xxxxxx | 9.820% | $1663.50 | $1663.50 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8054.65 | 1 | xxxxxx | $1463.64 | xxxxxx | $121.97 |  |  |  |  |  | 48.192% | 48.192% | 48.192% | 05/19/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $5845.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $13294.62 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.500% | xxxxxx | xxxxxx | $1650.24 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.19 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840389 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8878.93 | $11455.43 | xxxxxx | 8.186% | $4099.26 | $4099.26 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13331.46 | 1 | xxxxxx | $2524.44 | xxxxxx | $210.37 | xxxxxx | xxxxxx | $1600.00 |  | Annually | 25.813% | 25.813% | 25.813% | 06/13/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| 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 - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8878.93 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $38874.40 | 4.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840410 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11155.00 | $6478.49 | xxxxxx | 9.189% | $1321.66 | $1321.66 | 8.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2430.85 | 1 | xxxxxx | $1248.96 | xxxxxx | $104.08 |  |  |  |  |  | 44.858% | 44.858% | 44.858% | 03/17/2025 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11155.00 | xxxxxx | 6.700% | $0.00 | 2.1 |  |  |  | N/A | No | 8.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840444 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21188.44 | $26229.04 | xxxxxx | 9.540% | $12728.05 | $12728.05 | 9.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $50230.95 | 1 | xxxxxx | $5997.72 | xxxxxx | $499.81 | xxxxxx | xxxxxx | $320.00 |  | Monthly | 35.824% | 35.824% | 35.824% | 06/11/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - Year Not Available<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<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> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21188.44 | xxxxxx | 6.880% | $18379.00 | 1.5 |  |  |  | No | No | 9.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $164315.00 | 9.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.01 |  | Yes | No | xxxxxx | $39135.26 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840564 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2599.38 | $2599.38 | 8.500% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $4880.40 | xxxxxx | $406.70 | xxxxxx | xxxxxx | $518.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.49 | 2 |  |  |  |  |  |  |  | xxxxxx | $363918.00 | 75.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.7 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | Property Focused |
| xxxxxx | 840565 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2157.89 | $2157.89 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $30555.48 | xxxxxx | $2546.29 | xxxxxx | xxxxxx | $732.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/19/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.39 | 2.56 |  |  |  |  |  |  |  | xxxxxx | $103830.11 | 25.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.59 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840566 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4021.39 | $4021.39 | 9.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2349.96 | xxxxxx | $195.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.53 |  |  |  |  |  |  |  | xxxxxx | $91592.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.72 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840567 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1871.61 | $1871.61 | 6.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6943.56 | xxxxxx | $578.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $119625.11 | 23.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840568 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6896.04 | $6896.04 | 6.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $9709.92 | xxxxxx | $809.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.16 | 0.46 |  |  |  |  |  |  |  | xxxxxx | $568704.66 | 40.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 31.9 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840569 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8756.08 | $8756.08 | 6.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 3 | xxxxxx | $13045.44 | xxxxxx | $1087.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.58 |  |  |  |  |  |  |  | xxxxxx | $1297827.76 | 66.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 58.25 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840570 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1360.04 | $1360.04 | 6.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2618.64 | xxxxxx | $218.22 | xxxxxx | xxxxxx | $67.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/23/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $319346.35 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 119.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840571 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1672.67 | $1672.67 | 8.615% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1050.96 | xxxxxx | $87.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.615% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840573 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4536.47 | $4536.47 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4388.40 | xxxxxx | $365.70 | xxxxxx | xxxxxx | $377.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/08/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $487986.70 | 51.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 29.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840574 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4989.13 | $4989.13 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $456.00 | xxxxxx | $38.00 | xxxxxx | xxxxxx | $195.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/19/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $583186.99 | 68.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 74.74 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840575 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4226.09 | $4226.09 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $465.00 | xxxxxx | $38.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | xxxxxx | $587686.99 | 81.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 92.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840597 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12231.00 | $4163.51 | xxxxxx | 7.708% | $3043.51 | $3043.51 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6388.44 | 1 | xxxxxx | $1623.96 | xxxxxx | $135.33 |  |  |  |  |  | 47.356% | 47.356% | 47.356% | 05/15/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12231.00 | xxxxxx | 6.930% | $0.00 |  |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.82 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840602 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $9550.00 | $5924.24 | xxxxxx | 8.726% | $3150.05 | $3150.05 | 8.625% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7371.06 | 1 | xxxxxx | $1446.96 | xxxxxx | $120.58 | xxxxxx |  | $320.00 | 07/01/2025 | Monthly | 39.971% | 39.971% | 39.971% | 05/29/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9550.00 | xxxxxx | 6.830% | $5000.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $180000.00 | 33.330% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.09 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840606 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17500.00 | $2746.53 | xxxxxx | 7.665% | $4813.00 | $4813.00 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22509.60 | 1 | xxxxxx | $1839.96 | xxxxxx | $153.33 | xxxxxx |  | $40.00 |  | Monthly | 30.269% | 30.269% | 30.269% | 04/21/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17500.00 | xxxxxx | 6.920% | $3750.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $498921.99 | 50.910% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 34.6 |  |  | No | xxxxxx | $16140.38 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840615 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3143.38 | $6524.34 | xxxxxx | 7.843% | $4581.46 | $4581.46 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43057.81 | 1 | xxxxxx | $3443.16 | xxxxxx | $286.93 |  |  |  |  |  | 15.318% | 15.318% | 15.318% | 05/07/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2002 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3143.38 | xxxxxx | 6.880% | $14950.16 | 1.3 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5917.65 | 0.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840635 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1503.56 | $1503.56 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $600.00 | xxxxxx | $50.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840644 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1195.00 | $2673.50 | xxxxxx | 9.277% | $1627.27 | $1627.27 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16418.13 | 1 | xxxxxx | $4608.00 | xxxxxx | $384.00 |  |  |  |  |  | 39.658% | 39.658% | 39.658% | 05/30/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| 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 - Year Not Available<br> [Borrower - xxxxxx \| 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 - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1195.00 | xxxxxx | 6.830% | $0.00 |  |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1609.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.323% | xxxxxx | xxxxxx | $4442.59 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840664 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9466.00 | $17146.22 | xxxxxx | 7.779% | $6455.08 | $6455.08 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12228.20 | 1 | xxxxxx | $2475.96 | xxxxxx | $206.33 |  |  |  |  |  | 42.319% | 42.319% | 42.319% | 05/12/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9466.00 | xxxxxx | 6.930% | $3000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $808.00 | 0.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.02 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840669 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14490.00 | $22956.25 | xxxxxx | 8.112% | $6351.61 | $6351.61 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37749.39 | 1 | xxxxxx | $1950.96 | xxxxxx | $162.58 |  |  |  |  |  | 19.076% | 19.076% | 19.076% | 05/20/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14490.00 | xxxxxx | 6.920% | $1000.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $32850.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840686 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9303.40 | $10499.35 | xxxxxx | 8.154% | $1948.64 | $1948.64 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6606.53 | 1 | xxxxxx | $1761.00 | xxxxxx | $146.75 | xxxxxx | xxxxxx | $1300.00 |  | Monthly | 47.843% | 47.843% | 47.843% | 04/28/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - IRA Distribution]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - IRA Distribution]; 1099-R - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - IRA Distribution]; 1099-R - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9303.40 | xxxxxx | 6.880% | $0.00 | 2.5 |  |  |  | Yes | No | 7.750% | 0 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $119921.66 | 35.270% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.61 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840689 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1640.00 | $2754.03 | xxxxxx | 8.359% | $1878.17 | $1878.17 | 8.250% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $13968.34 | 1 | xxxxxx | $2090.04 | xxxxxx | $174.17 |  |  |  |  |  | 47.692% | 47.692% | 47.692% | 05/29/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1640.00 | xxxxxx | 6.830% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 2.625% | xxxxxx | xxxxxx | $3012.38 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 41.56 |  | No | No | xxxxxx | $0.00 | $26704.08 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840701 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $32060.00 | $34753.54 | xxxxxx | 8.747% | $7600.72 | $7600.72 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12059.86 | 1 | xxxxxx | $3290.04 | xxxxxx | $274.17 |  |  |  |  |  | 42.436% | 42.436% | 42.436% | 03/17/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32060.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $203037.10 | 16.240% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.39 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840708 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5244.00 | $9525.93 | xxxxxx | 8.162% | $4521.46 | $4521.46 | 8.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11779.36 | 1 | xxxxxx | $986.16 | xxxxxx | $82.18 |  |  |  |  |  | 31.858% | 31.858% | 31.858% | 06/04/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5244.00 | xxxxxx | 6.890% | $0.00 | 1.4 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $267034.14 | 34.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 16.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840724 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9733.56 | $9694.85 | xxxxxx | 9.051% | $2992.41 | $2992.41 | 8.750% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14664.12 | 1 | xxxxxx | $1986.84 | xxxxxx | $165.57 |  |  |  |  |  | 43.897% | 43.897% | 43.897% | 05/28/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35.000% |  | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9733.56 | xxxxxx | 6.890% | $0.00 |  |  |  |  | N/A | No | 8.750% | 2 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $264.41 |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.250% | xxxxxx | xxxxxx | $3631.34 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.62 |  |  | No | xxxxxx | $4616.29 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840758 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4997.11 | $6185.22 | xxxxxx | 10.313% | $1445.80 | $1445.80 | 9.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5622.41 | 1 | xxxxxx | $923.04 | xxxxxx | $76.92 |  |  |  |  |  | 31.273% | 31.273% | 31.273% | 06/09/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4997.11 | xxxxxx | 6.890% | $20500.00 | 1 |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 2.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.04 |  |  | No | xxxxxx | $4090.38 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840762 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2190.00 | $5608.53 | xxxxxx | 7.943% | $3126.50 | $3126.50 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4501.41 | 1 | xxxxxx | $1496.88 | xxxxxx | $124.74 |  |  |  |  |  | 46.707% | 46.707% | 46.707% | 05/27/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 33.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2190.00 | xxxxxx | 6.930% | $14000.00 | 1.3 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $46237.50 | 8.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 15.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840772 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18590.00 | $7397.50 | xxxxxx | 8.179% | $1575.00 | $1575.00 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $2669.56 | 1 | xxxxxx | $600.00 | xxxxxx | $50.00 |  |  |  |  |  | 43.708% | 43.708% | 52.434% | 05/23/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18590.00 | xxxxxx | 6.890% | $0.00 | 1.4 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  | 240 | xxxxxx | $10872.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 141.12 |  | No | No | xxxxxx | $2371.18 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840789 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6015.00 | $16493.32 | xxxxxx | 8.351% | $8714.69 | $8714.69 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25394.36 | 1 | xxxxxx | $1926.96 | xxxxxx | $160.58 |  |  |  |  |  | 44.381% | 44.381% | 44.381% | 06/11/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6015.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $286866.23 | 19.780% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.92 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840790 | xxxxxx | N/A |  |  | xxxxxx | No | No | $58730.00 | $9456.33 | xxxxxx | 7.794% | $10850.00 | $13791.94 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $49131.92 | 1 | xxxxxx | $2079.48 | xxxxxx | $173.29 |  |  |  |  |  | 47.298% | 44.142% | 47.298% | 05/05/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $58730.00 | xxxxxx | 6.890% | $0.00 | 2.7 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $961.83 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 41.98 |  | No | No | xxxxxx | $93225.41 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840796 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8768.00 | $12772.28 | xxxxxx | 7.788% | $2992.64 | $2992.64 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6614.90 | 1 | xxxxxx | $672.96 | xxxxxx | $56.08 | xxxxxx |  | $430.00 |  | Monthly | 38.355% | 38.355% | 38.355% | 05/27/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8768.00 | xxxxxx | 6.930% | $500.00 | 2 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $91458.08 | 17.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840797 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9915.00 | $11393.14 | xxxxxx | 7.627% | $6041.21 | $6041.21 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $16537.64 | 1 | xxxxxx | $1775.04 | xxxxxx | $147.92 |  |  |  |  |  | 34.584% | 34.584% | 34.584% | 04/28/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9915.00 | xxxxxx | 6.930% | $0.00 | 5 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $110595.35 | 10.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840798 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8395.00 | $10761.58 | xxxxxx | 8.368% | $3118.49 | $3118.49 | 8.125% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5450.10 | 1 | xxxxxx | $1455.00 | xxxxxx | $121.25 | xxxxxx |  | $600.00 |  | Annually | 47.888% | 47.888% | 47.888% | 05/28/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8395.00 | xxxxxx | 6.880% | $10000.00 | 2.5 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $55517.72 | 10.570% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.9 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840817 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26201.51 | $29998.20 | xxxxxx | 8.732% | $5206.28 | $5206.28 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29565.94 | 1 | xxxxxx | $2019.96 | xxxxxx | $168.33 |  |  |  |  |  | 19.792% | 19.792% | 19.792% | 05/28/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26201.51 | xxxxxx | 6.890% | $26000.00 | 4.3 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $207717.45 | 26.970% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.5 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840839 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3080.42 | $7747.62 | xxxxxx | 7.315% | $5467.65 | $5467.65 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $52070.50 | 1 | xxxxxx | $2054.04 | xxxxxx | $171.17 |  |  |  |  |  | 14.710% | 14.710% | 14.710% | 03/22/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3080.42 | xxxxxx | 6.890% | $0.00 | 1.4 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $85115.96 | 7.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840865 | xxxxxx | N/A |  |  | xxxxxx | No | No | $66250.99 | $22481.68 | xxxxxx | 7.652% | $10709.13 | $10709.13 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $250577.89 | 1 | xxxxxx | $2256.00 | xxxxxx | $188.00 |  |  |  |  |  | 12.420% | 12.420% | 12.420% | 05/12/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $66250.99 | xxxxxx | 6.830% | $0.00 | 1.5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $319765.70 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.99 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840907 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1795.00 | $5918.26 | xxxxxx | 7.961% | $1076.60 | $1076.60 | 7.125% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $1536.26 | 1 | xxxxxx | $1648.80 | xxxxxx | $137.40 |  |  |  |  |  | 51.033% | 51.033% | 51.033% | 04/03/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1795.00 | xxxxxx | 7.190% | $5000.00 | 1.6 | DU |  | ApproveEligible | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $13090.51 | 7.700% | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 0.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840937 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2344.00 | $8079.58 | xxxxxx | 7.818% | $4556.38 | $4556.38 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $69311.49 | 1 | xxxxxx | $1215.00 | xxxxxx | $101.25 |  |  |  |  |  | 39.570% | 39.570% | 39.570% | 06/02/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2344.00 | xxxxxx | 6.890% | $0.00 | 2.9 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2272960.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 387.77 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840951 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11728.34 | $14675.46 | xxxxxx | 7.511% | $3374.08 | $3374.08 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18880.40 | 1 | xxxxxx | $706.68 | xxxxxx | $58.89 | xxxxxx | xxxxxx | $657.00 |  | Monthly | 37.065% | 37.065% | 37.065% | 05/19/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11728.34 | xxxxxx | 6.830% | $10345.00 |  |  |  |  | No | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $249104.39 | 37.770% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.9 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840962 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5755.00 | $6753.99 | xxxxxx | 7.660% | $1685.25 | $1685.25 | 7.375% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5750.84 | 1 | xxxxxx | $1483.80 | xxxxxx | $123.65 | xxxxxx | xxxxxx | $1200.00 |  | Annually | 28.115% | 28.115% | 28.115% | 06/06/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5755.00 | xxxxxx | 6.890% | $0.00 | 1.2 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $102976.14 | 33.760% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 12.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840971 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12156.25 | $14213.12 | xxxxxx | 9.101% | $3243.17 | $3243.17 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24695.25 | 1 | xxxxxx | $1206.00 | xxxxxx | $100.50 |  |  |  |  |  | 17.373% | 17.373% | 17.373% | 06/20/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 63.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12156.25 | xxxxxx | 6.890% | $0.00 | 2.1 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $119809.56 | 23.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840983 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $16190.00 | $23954.50 | xxxxxx | 8.670% | $11072.35 | $11072.35 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20391.59 | 1 | xxxxxx | $5267.04 | xxxxxx | $438.92 |  |  |  |  |  | 47.794% | 47.794% | 47.794% | 05/05/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16190.00 | xxxxxx | 6.890% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $421402.96 | 26.330% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.76 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841062 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5625.00 | $6231.48 | xxxxxx | 7.651% | $2936.70 | $2936.70 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10129.62 | 1 | xxxxxx | $1854.96 | xxxxxx | $154.58 |  |  |  |  |  | 32.912% | 32.912% | 32.912% | 06/20/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5625.00 | xxxxxx | 6.890% | $93208.16 |  |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $10000.00 | 1.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.62 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841092 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11418.00 | $14385.72 | xxxxxx | 8.326% | $3492.72 | $3492.72 | 8.000% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7621.98 | 1 | xxxxxx | $1526.04 | xxxxxx | $127.17 | xxxxxx | xxxxxx | $145.00 |  | Monthly | 37.018% | 37.018% | 37.018% | 06/03/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 41.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11418.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 2 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $213990.03 | 35.660% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.08 |  |  | No | xxxxxx | $4983.22 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841178 | xxxxxx | N/A |  |  | xxxxxx | No | No | $4760.00 | $5438.40 | xxxxxx | 10.141% | $1426.20 | $1426.20 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $249806.55 | 1 | xxxxxx | $2102.04 | xxxxxx | $175.17 | xxxxxx | xxxxxx | $110.00 |  | Monthly | 7.433% | 7.433% | 7.433% | 05/22/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4760.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | Yes | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $101500.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $1398.49 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.97 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841191 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $27676.25 | $36382.62 | xxxxxx | 7.785% | $13554.25 | $13554.25 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16412.02 | 1 | xxxxxx | $4896.00 | xxxxxx | $408.00 |  |  |  |  |  | 49.584% | 49.584% | 49.584% | 05/30/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2018<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27676.25 | xxxxxx | 6.770% | $0.00 |  |  |  |  | N/A | No | 7.625% | 1 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $662.45 |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841198 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2817.50 | $5070.98 | xxxxxx | 8.041% | $1667.66 | $1667.66 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16207.89 | 1 | xxxxxx | $829.44 | xxxxxx | $69.12 | xxxxxx | xxxxxx | $131.14 |  | Monthly | 12.156% | 12.156% | 12.156% | 04/28/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2817.50 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $113949.52 | 39.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841216 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1650.00 | $11706.00 | xxxxxx | 7.374% | $6132.74 | $6132.74 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13564.18 | 1 | xxxxxx | $2910.72 | xxxxxx | $242.56 | xxxxxx |  | $275.00 |  | Monthly | 39.258% | 39.258% | 39.258% | 02/21/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1650.00 | xxxxxx | 6.870% | $17332.61 | 2.7 | DU |  | ApproveIneligible | No | No | 7.250% | 3 | 0 | 2 | 0 | 2 | 0 |  |  | 13.90 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $297618.53 | 26.480% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.9 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841217 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6450.00 | $10070.99 | xxxxxx | 8.531% | $3800.36 | $3800.36 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $28479.44 | 1 | xxxxxx | $747.00 | xxxxxx | $62.25 |  |  |  |  |  | 31.148% | 31.148% | 31.148% | 05/08/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6450.00 | xxxxxx | 6.880% | $0.00 | 1.5 |  |  |  | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $47182.38 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $2512.84 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.27 |  | No | No | xxxxxx | $41363.46 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841243 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15244.00 | $23941.29 |  | 8.855% | $6688.99 | $6688.99 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $121092.29 | 1 | xxxxxx | $3449.04 | xxxxxx | $287.42 |  |  |  |  |  | 9.569% | 9.569% | 9.569% | 06/18/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 70.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15244.00 |  | 6.770% | $112500.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $50875.00 | 4.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841283 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15325.00 | $9897.33 | xxxxxx | 7.777% | $2455.64 | $2455.64 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $99715.93 | 1 | xxxxxx | $824.04 | xxxxxx | $68.67 | xxxxxx | xxxxxx | $273.00 |  | Monthly | 11.342% | 11.342% | 11.342% | 05/28/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15325.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $68966.97 | 15.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.49 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841288 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14014.99 | $24294.49 |  | 7.664% | $8390.57 | $8390.57 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25825.32 | 1 | xxxxxx | $4200.00 | xxxxxx | $350.00 |  |  |  |  |  | 38.266% | 38.266% | 38.266% | 05/15/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14014.99 |  | 6.740% | $0.00 | 2.4 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.8 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841299 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17940.00 | $22546.00 | xxxxxx | 7.403% | $5335.85 | $5335.85 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8652.11 | 1 | xxxxxx | $2038.08 | xxxxxx | $169.84 |  |  |  |  |  | 47.661% | 47.661% | 47.661% | 05/22/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17940.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $230043.40 | 23.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841300 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2833.76 | $2833.76 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1463.04 | xxxxxx | $121.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $268108.66 | 43.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.57 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841305 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6286.52 | $6286.52 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5289.96 | xxxxxx | $440.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841364 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22087.00 | $29959.00 | xxxxxx | 7.410% | $9959.77 | $9959.77 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $37492.53 | 1 | xxxxxx | $571.44 | xxxxxx | $47.62 | xxxxxx | xxxxxx | $2484.00 |  | Monthly | 49.150% | 49.150% | 49.150% | 06/25/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Other - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $22087.00 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1685908.83 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 133.59 |  | No | No | xxxxxx | $73732.08 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841394 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9280.96 | $17438.21 | xxxxxx | 7.998% | $8091.77 | $8091.77 | 7.875% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22083.49 | 1 | xxxxxx | $1377.00 | xxxxxx | $114.75 | xxxxxx | xxxxxx | $181.00 |  | Monthly | 39.838% | 39.838% | 39.838% | 05/14/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9280.96 | xxxxxx | 6.830% | $36013.00 | 1.1 |  |  |  | Yes | No | 7.875% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $209510.70 | 16.890% | No | 20 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.73 |  | No | No | xxxxxx | $23831.88 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841529 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16558.90 | $8460.98 | xxxxxx | 8.326% | $2055.09 | $2055.09 | 8.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11878.28 | 3 | xxxxxx | $1047.24 | xxxxxx | $87.27 |  |  |  |  |  | 44.450% | 44.450% | 44.450% | 05/05/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16558.90 | xxxxxx | 6.890% | $6590.00 |  |  |  |  | N/A | No | 8.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $197402.44 | 59.900% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.52 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841555 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11780.71 | $16177.55 | xxxxxx | 7.266% | $3142.46 | $3142.46 | 6.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10087.20 | 1 | xxxxxx | $2211.84 | xxxxxx | $184.32 | xxxxxx | xxxxxx | $400.00 |  | Monthly | 29.716% | 29.716% | 29.716% | 03/26/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11780.71 | xxxxxx | 6.650% | $0.00 | 1.5 | DU |  | ApproveEligible | Yes | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $21759.14 | 4.260% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841565 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20975.00 | $24515.55 | xxxxxx | 7.959% | $4813.00 | $4813.00 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21671.13 | 1 | xxxxxx | $3658.08 | xxxxxx | $304.84 | xxxxxx | xxxxxx | $57.00 |  | Monthly | 27.054% | 27.054% | 27.054% | 07/03/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20975.00 | xxxxxx | 6.830% | $50000.00 |  |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $62670.25 | 7.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.09 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841585 | xxxxxx | N/A |  |  | xxxxxx | No | No | $28050.00 | $11129.61 | xxxxxx | 8.760% | $5075.49 | $5784.70 | 9.301% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $14535.92 | 1 | xxxxxx | $1034.88 | xxxxxx | $86.24 | xxxxxx | xxxxxx | $584.00 |  | Monthly | 45.148% | 45.891% | 45.148% | 06/03/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28050.00 | xxxxxx | 6.790% | $0.00 | 1.4 |  |  |  | No | No | 9.301% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 105.61 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841599 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $29250.00 | $39705.00 |  | 8.103% | $12761.22 | $12761.22 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $81405.98 | 1 | xxxxxx | $4640.04 | xxxxxx | $386.67 |  |  |  |  |  | 30.641% | 30.641% | 30.641% | 05/28/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29250.00 |  | 6.830% | $28000.00 | 4.8 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $66750.00 | 3.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.99 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841604 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6037.50 | $3261.82 | xxxxxx | 6.184% | $1663.18 | $1663.18 | 5.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6144.73 | 1 | xxxxxx | $2411.04 | xxxxxx | $200.92 |  |  |  |  |  | 43.881% | 43.881% | 43.881% | 02/13/2023 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6037.50 | xxxxxx | 6.020% | $12.50 | 2.5 | DU |  | ApproveEligible | Yes | No | 5.750% | 2 |  | 2 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $34483.27 | 11.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.19 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841605 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7584.15 | $14587.64 | xxxxxx | 7.418% | $6595.71 | $6595.71 | 7.125% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  | $10492.83 | 1 | xxxxxx | $2838.48 | xxxxxx | $236.54 |  |  |  |  |  | 45.497% | 45.497% | 45.497% | 03/25/2024 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7584.15 | xxxxxx | 6.880% | $4500.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 7.125% | 2 | 2 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $317043.70 | 28.820% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Employment Authorization |  |  |  | 23.58 |  |  | No | xxxxxx | $0.00 | $5227.94 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841651 | xxxxxx | N/A |  |  | xxxxxx | No | No | $40644.21 | $24061.41 | xxxxxx | 8.430% | $2631.02 | $2631.02 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9360.90 | 3 | xxxxxx | $2845.92 | xxxxxx | $237.16 |  |  |  |  |  | 41.704% | 41.704% | 41.704% | 03/27/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 | 0 | No | xxxxxx | xxxxxx | $40644.21 | xxxxxx | 6.830% | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $761.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.23 |  | No | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 3 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841660 | xxxxxx | N/A |  |  | xxxxxx | No | No | $42948.20 | $34282.49 | xxxxxx | 8.901% | $2601.55 | $2601.55 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24013.82 | 1 | xxxxxx | $1533.00 | xxxxxx | $127.75 |  |  |  |  |  | 45.686% | 45.686% | 45.686% | 04/25/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $42948.20 | xxxxxx | 6.830% | $0.00 |  |  |  |  | N/A | No | 7.875% | 1 |  | 1 | 0 | 1 | 0 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $40417.72 | 7.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.18 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841741 | xxxxxx | N/A |  |  | xxxxxx | No | No | $35327.81 | $9546.31 | xxxxxx | 8.444% | $4006.13 | $4006.13 | 8.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $23313.39 | 1 | xxxxxx | $2054.04 | xxxxxx | $171.17 | xxxxxx | xxxxxx | $310.00 |  | Annually | 23.459% | 23.459% | 23.459% | 05/14/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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 - 2025<br> [Coborrower(s) - xxxxxx \| 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 - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $35327.81 | xxxxxx | 6.830% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $190197.86 | 26.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.73 |  | No | Yes | xxxxxx | $30458.66 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841803 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3750.00 | $5838.00 | xxxxxx | 8.970% | $1244.46 | $1244.46 | 8.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6172.21 | 1 | xxxxxx | $3756.00 | xxxxxx | $313.00 |  |  |  |  |  | 48.893% | 48.893% | 48.893% | 05/16/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $3750.00 | xxxxxx | 6.770% | $0.00 | 2.5 |  |  |  | No | No | 8.625% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $3262.67 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841877 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2100.00 | $4640.00 | xxxxxx | 7.065% | $4115.99 | $4115.99 | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6617.88 | 1 | xxxxxx | $1368.00 | xxxxxx | $114.00 |  |  |  |  |  | 44.846% | 44.846% | 44.846% | 04/18/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2100.00 | xxxxxx | 6.700% | $0.00 | 2 | DU |  | ApproveEligible | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $812911.05 | 82.690% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841879 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13965.00 | $20018.00 | xxxxxx | 8.229% | $4176.40 | $4176.40 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17396.87 | 1 | xxxxxx | $2187.96 | xxxxxx | $182.33 | xxxxxx | xxxxxx | $74.00 |  | Monthly | 27.873% | 27.873% | 27.873% | 05/12/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13965.00 | xxxxxx | 6.870% | $10000.00 | 2.9 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $45021.28 | 6.250% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.25 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841937 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6032.50 | $8771.00 | xxxxxx | 9.481% | $2034.08 | $2034.08 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15473.62 | 1 | xxxxxx | $3780.96 | xxxxxx | $315.08 |  |  |  |  |  | 39.657% | 39.657% | 39.657% | 06/05/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $6032.50 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $32198.36 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $3633.97 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841973 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2045.00 | $3710.22 | xxxxxx | 7.853% | $2636.40 | $2636.40 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8506.78 | 1 | xxxxxx | $1461.96 | xxxxxx | $121.83 |  |  |  |  |  | 40.893% | 40.893% | 40.893% | 06/02/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2045.00 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $61805.87 | 13.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841976 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17200.00 | $21632.80 | xxxxxx | 7.938% | $4246.76 | $4246.76 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19416.53 | 1 | xxxxxx | $2091.96 | xxxxxx | $174.33 |  |  |  |  |  | 23.434% | 23.434% | 23.434% | 06/03/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17200.00 | xxxxxx | 6.880% | $12500.00 | 1.8 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $58198.90 | 7.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.03 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841982 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11728.69 | $12517.94 | xxxxxx | 7.207% | $1790.10 | $1790.10 | 6.750% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5767.41 | 1 | xxxxxx | $864.96 | xxxxxx | $72.08 | xxxxxx | xxxxxx | $436.80 |  | Annually | 35.918% | 35.918% | 35.918% | 05/23/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11728.69 | xxxxxx | 6.890% | $0.00 | 4.3 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $87611.82 | 25.390% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 7.96 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841983 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12745.00 | $11217.00 | xxxxxx | 7.378% | $7094.63 | $7094.63 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $15420.02 | 1 | xxxxxx | $1196.04 | xxxxxx | $99.67 |  |  |  |  |  | 36.933% | 36.933% | 36.933% | 06/16/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12745.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1252.09 | 0.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841985 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7258.00 | $12703.78 | xxxxxx | 7.835% | $3403.07 | $3403.07 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7007.77 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $460.00 |  | Monthly | 40.857% | 40.857% | 40.857% | 06/13/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7258.00 | xxxxxx | 6.890% | $3000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $47862.90 | 7.960% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.68 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841987 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23305.00 | $10520.43 | xxxxxx | 8.009% | $3080.57 | $3080.57 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17778.73 | 1 | xxxxxx | $1980.00 | xxxxxx | $165.00 | xxxxxx | xxxxxx | $115.00 |  | Monthly | 23.223% | 23.223% | 23.223% | 06/23/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23305.00 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $160660.14 | 29.580% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.73 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842034 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15200.00 | $5835.92 | xxxxxx | 8.842% | $3933.50 | $3933.50 | 8.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $147243.88 | 1 | xxxxxx | $3560.04 | xxxxxx | $296.67 |  |  |  |  |  | 26.174% | 26.174% | 26.174% | 06/12/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 90.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15200.00 | xxxxxx | 6.770% | $0.00 | 5 |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $38693.59 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 6.250% | xxxxxx | xxxxxx | $6169.49 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 2.21 |  | No | No | xxxxxx | $199447.90 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842041 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17090.00 | $18200.71 | xxxxxx | 8.380% | $11267.95 | $11267.95 | 8.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15796.31 | 1 | xxxxxx | $3564.96 | xxxxxx | $297.08 |  |  |  |  |  | 53.588% | 53.588% | 53.588% | 03/05/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  | xxxxxx | xxxxxx | $17090.00 | xxxxxx | 6.890% | $0.00 | 2.6 |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.01 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842043 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16282.50 | $6276.91 | xxxxxx | 7.017% | $7816.52 | $7816.52 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31663.06 | 1 | xxxxxx | $4768.08 | xxxxxx | $397.34 |  |  |  |  |  | 28.382% | 28.382% | 28.382% | 05/08/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16282.50 | xxxxxx | 6.930% | $5000.00 | 2.4 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $597368.95 | 37.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.3 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842060 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25355.00 | $6157.63 | xxxxxx | 9.802% | $5103.38 | $5103.38 | 9.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $25450.21 | 1 | xxxxxx | $3573.24 | xxxxxx | $297.77 | xxxxxx | xxxxxx | $25.00 |  | Annually | 34.857% | 34.857% | 34.857% | 05/08/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $25355.00 | xxxxxx | 6.920% | $25000.00 | 2.2 |  |  |  | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $36447.60 | 5.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.28 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842071 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7445.00 | $11020.92 | xxxxxx | 6.818% | $3425.31 | $3425.31 | 6.624% | No | No | Self-Employed | Self-Employed | Employed |  | 0.77 |  | Permanent Resident Alien | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | $5442.88 | 1 | xxxxxx | $1048.08 | xxxxxx | $87.34 | xxxxxx | xxxxxx | $135.00 |  | Monthly | 49.081% | 49.081% | 49.081% | 05/21/2025 | 786 | 786 | 806 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 23.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7445.00 | xxxxxx | 6.880% | $0.00 | 3 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $212242.25 | 29.680% | No |  |  | 17 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  |  | 14.3 |  |  | No | xxxxxx | $2526.00 | $5721.63 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842075 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26457.50 | $36595.90 | xxxxxx | 7.046% | $13064.99 | $13064.99 | 6.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $64080.05 | 1 | xxxxxx | $10645.32 | xxxxxx | $887.11 | xxxxxx | xxxxxx | $188.00 |  | Monthly | 24.006% | 24.006% | 24.006% | 06/04/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $26457.50 | xxxxxx | 6.880% | $5000.00 | 2.9 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $115803.83 | 4.940% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.65 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842076 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7426.00 | $9083.94 | xxxxxx | 9.996% | $2477.93 | $2477.93 | 9.624% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7462.16 | 1 | xxxxxx | $455.16 | xxxxxx | $37.93 | xxxxxx | xxxxxx | $520.00 |  | Monthly | 45.661% | 45.661% | 45.661% | 04/15/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Personal | 76.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7426.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 9.624% | 2 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $60545.46 | 17.650% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.01 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842315 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1450.00 | $11824.68 | xxxxxx | 7.798% | $9084.11 | $9084.11 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24143.25 | 1 | xxxxxx | $3965.04 | xxxxxx | $330.42 |  |  |  |  |  | 34.219% | 34.219% | 34.219% | 06/13/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.890% | $0.00 | 1.3 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $98079.34 | 6.180% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.1 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842627 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5896.00 | $7575.60 | xxxxxx | 8.011% | $1960.10 | $1960.10 | 7.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4540.18 | 1 | xxxxxx | $1471.44 | xxxxxx | $122.62 | xxxxxx | xxxxxx | $80.00 |  | Annually | 49.370% | 49.370% | 49.370% | 06/16/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5896.00 | xxxxxx | 6.670% | $6000.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $97635.80 | 28.540% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.28 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842678 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7192.00 | $9766.10 | xxxxxx | 8.361% | $1872.57 | $1872.57 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7639.89 | 1 | xxxxxx | $1008.36 | xxxxxx | $84.03 | xxxxxx | xxxxxx | $710.00 |  | Annually | 25.714% | 25.714% | 25.714% | 05/16/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7192.00 | xxxxxx | 6.890% | $8000.00 | 2.6 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $80103.52 | 25.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842766 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2390.00 | $9279.40 | xxxxxx | 7.831% | $5725.57 | $5725.57 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11288.19 | 1 | xxxxxx | $3235.68 | xxxxxx | $269.64 |  |  |  |  |  | 40.134% | 40.134% | 40.134% | 06/24/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2390.00 | xxxxxx | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $258689.43 | 25.890% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843545 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $29255.00 | $36630.00 | xxxxxx | 6.872% | $7683.73 | $7683.73 | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $23440.03 | 1 | xxxxxx | $9584.04 | xxxxxx | $798.67 |  |  |  |  |  | 35.379% | 35.379% | 35.379% | 04/10/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2010 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $29255.00 | xxxxxx | 6.920% | $10000.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $40000.00 | 2.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.55 |  |  | No | xxxxxx | $18254.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843547 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $24182.50 | $30132.31 | xxxxxx | 6.914% | $4410.26 | $4410.26 | 6.538% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $272472.39 | 1 | xxxxxx | $5782.08 | xxxxxx | $481.84 |  |  |  |  |  | 3.438% | 3.438% | 3.438% | 05/28/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| 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 - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24182.50 | xxxxxx | 6.890% | $0.00 | 3.3 |  |  |  | N/A | No | 6.538% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15000.00 | 1.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.6 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843551 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19195.00 | $722.10 | xxxxxx | 6.883% | $5780.97 | $5780.97 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $187113.66 | 1 | xxxxxx | $2007.96 | xxxxxx | $167.33 | xxxxxx | xxxxxx | $107.00 |  | Monthly | 4.265% | 4.265% | 4.265% | 06/03/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19195.00 | xxxxxx | 6.920% | $27377.03 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $309258.85 | 28.110% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.72 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843557 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7282.50 | $10083.18 | xxxxxx | 7.281% | $1494.36 | $1494.36 | 6.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10915.93 | 1 | xxxxxx | $1920.96 | xxxxxx | $160.08 |  |  |  |  |  | 31.822% | 31.822% | 31.822% | 05/22/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7282.50 | xxxxxx | 6.830% | $0.00 | 1.3 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $666745.48 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 528.29 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843637 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $30400.00 | $17326.45 | xxxxxx | 7.434% | $5266.40 | $5266.40 | 7.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $18590.51 | 1 | xxxxxx | $6798.00 | xxxxxx | $566.50 | xxxxxx | xxxxxx | $600.00 |  | Annually | 38.032% | 38.032% | 38.032% | 05/30/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30400.00 | xxxxxx | 6.670% | $6000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $230801.17 | 23.910% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.04 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843801 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15365.00 | $17430.00 | xxxxxx | 7.901% | $3020.61 | $3020.61 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9568.75 | 1 | xxxxxx | $1053.96 | xxxxxx | $87.83 |  |  |  |  |  | 48.277% | 48.277% | 48.277% | 05/05/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15365.00 | xxxxxx | 6.670% | $32074.72 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $139859.77 | 25.890% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.81 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**amc TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 817384 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx as Nominee for xxxxxx, a xxxxxx limited liability company | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 820169 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx as nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | xxxxxx | 1st Half County Taxes for 2024 are Delinquent IOA $xxxxxx as of xxxxxx. | 3 | Delinquent Property Taxes | 1st Half County Taxes for 2024 are Delinquent IOA $xxxxxx as of xxxxxx. |
| 835122 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx, Inc as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 837851 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 837957 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 15 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 837958 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 13 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 839626 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 839627 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 840907 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 841604 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 841605 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 820169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  | Delinquent Property Taxes - 1st Half County Taxes for 2024 are Delinquent IOA $xxxxxx as of xxxxxx. |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**amc multi property valuation REPORT**

![](tm2524220d1_ex99-9img001.jpg)

**Multi Property Valuation Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 830008-1 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/15/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/19/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 830008-2 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/13/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/17/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 830008-3 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/12/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/14/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 830008-4 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/13/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/14/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 830008-5 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/12/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/12/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 830008-6 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/06/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/07/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 830008-7 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/12/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/11/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 830008-8 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02/06/2025 | 02/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 02/07/2025 | 02/03/2025 | Desk Review | xxxxxx | N/A |  |

---

## Exhibit 99.10

**EXHIBIT 99.10**

**CANOPY FINANCIAL TECHNOLOGY PARTNERS, LLC ("CANOPY") NARRATIVE**

**NARRATIVE**

**Verus 2025-8**

**By Canopy Financial Technology Partners LLC on August 25, 2025**

Canopy Financial Technology Partners LLC

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

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

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

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by VMC Asset Pooler, LLC (the "Client") or its affiliated company. The Review was conducted from November 2024 to July 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of two-hundred twenty-four (224) Loans with an aggregate principal balance of $99,497,873.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs), S&P Global Ratings and Kroll Bond Rating Agency, LLC.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |

---

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment
 history;

· Citizenship and eligibility;

· First time home buyer status;

· The application was signed
 by all borrowers; and

· The application was substantially
 completed.

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

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure
 seasoning;

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

· Installment and revolving
 payment history;

· Mortgage/rental payment
 history;

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

· Number of tradelines; and

· Representative Credit Score
 and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters; and/or

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

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

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed
 NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

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

· Depository account statements;

· Gift funds;

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

· Stock or security account
 statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

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

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination
 Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan
 Estimate (LE);

· Initial and Final and Closing
 Disclosure (CD); and

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

**Business Purpose Validation (when applicable)**

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

ii. Note, including all addendums;

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

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

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

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

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

viii. Rate Lock Date Information;

ix. HOEPA Disclosures (if applicable);
 and

x. Initial Escrow Account Disclosure.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and CDs with a report outlining
 any TILA violations, including a re-calculation of disclosed finance charge, principal and
 interest calculations, proper completion of the Projected Payments table, total of payments,
 finance charge, amount financed, recalculation of disclosed APR and a review to determine
 disclosure differences were within the allowed tolerances and disclosures were provided within
 the required timeframes. Testing will be conducted to fulfill the elements Structured Finance
 Association (SFA) TRID Compliance Review Scope ("TRID Grid 4.0" v.02-16-2023);

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

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

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

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

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

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

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

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

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

iii. TPR will test for state prepayment
 and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty
 has expired, this must be reported.

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

Ability to Repay (ATR)

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

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

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

**Valuation Review**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

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**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

---

---

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

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

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 71.43% (160 Loans) have an overall grade of "A" and 28.57% (64 Loans) have an overall grade of "B".

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Canopy's review concluded a Credit grade of "A" for 71.88%, or one-hundred sixty-one (161) Loans reviewed, and 28.13% (63 Loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100%, or two-hundred twenty-four (224) loans reviewed, and 0.00% (0 Loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 98.21%, or two-hundred twenty (220) Loans reviewed, and 1.79% (4 Loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;160 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;64 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;161 | &nbsp;&nbsp;71.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;63 | &nbsp;&nbsp;28.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;224 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;220 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** |

---

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**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;223 | &nbsp;&nbsp;99.55% | &nbsp;&nbsp;$99128273.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$369600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99497873.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;209 | &nbsp;&nbsp;93.30% | &nbsp;&nbsp;$95745188.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.70% | &nbsp;&nbsp;$3752685.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99497873.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$423750.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;82 | &nbsp;&nbsp;36.61% | &nbsp;&nbsp;$34475305.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;23 | &nbsp;&nbsp;10.27% | &nbsp;&nbsp;$11638703.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;102 | &nbsp;&nbsp;45.54% | &nbsp;&nbsp;$47919049.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;16 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$5041066.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99497873.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$408750.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.89% | &nbsp;&nbsp;$933300.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;211 | &nbsp;&nbsp;94.20% | &nbsp;&nbsp;$91525723.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.46% | &nbsp;&nbsp;$6630100.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99497873.00** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;72 | &nbsp;&nbsp;32.14% | &nbsp;&nbsp;$38483400.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;$7390310.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;145 | &nbsp;&nbsp;64.73% | &nbsp;&nbsp;$53624163.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**224** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99497873.00** |

---

**DATA COMPARISON RESULTS**

Of the two-hundred twenty-four (224) Loan files reviewed, ninety (90) unique loans (40.18% by number) had one-hundred thirty-nine (139) tape comparison discrepancies across twenty-two (22) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans <br> with <br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;224 | &nbsp;&nbsp;2.68% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;224 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;224 | &nbsp;&nbsp;4.46% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;224 | &nbsp;&nbsp;6.70% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;224 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;11 | &nbsp;&nbsp;224 | &nbsp;&nbsp;4.91% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;27 | &nbsp;&nbsp;224 | &nbsp;&nbsp;12.05% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;7 | &nbsp;&nbsp;224 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;224 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;6 | &nbsp;&nbsp;224 | &nbsp;&nbsp;2.68% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;15 | &nbsp;&nbsp;224 | &nbsp;&nbsp;6.70% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;224 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;224 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;224 | &nbsp;&nbsp;1.34% |

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**Disclaimer**

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

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

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

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

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

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## Exhibit 99.11

**EXHIBIT 99.11**

**Canopy EXCEPTIONS REPORT**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 837851 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832491 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-10 11:00 | 2025-07-10 11:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Waived with compensating factors. Exception approval to exceed the aggregate loan amount exposure limit of xxxxxx and 10 mortgaged loans as allowed by lender. Borrower owns over xxxxxx properties. - Due Diligence Vendor-08/08/2025 |  | Waived-Waived with compensating factors. Exception approval to exceed the aggregate loan amount exposure limit of xxxxxx and 10 mortgaged loans as allowed by lender. Borrower owns over xxxxxx properties. - Due Diligence Vendor-08/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.83 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.93 Years | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%. <br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 832491 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-10 18:48 | 2025-06-10 18:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived- Finding waived with comp factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception approved for seasoning requirement not met for loan modification. Mortgage Note technically expired xxxxxx; however, there is now a verbal agreement for extension between private lender and borrower - Due Diligence Vendor-06/10/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception approved for seasoning requirement not met for loan modification. Mortgage Note technically expired xxxxxx; however, there is now a verbal agreement for extension between private lender and borrower - Due Diligence Vendor-06/10/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.83 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.93 Years | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%. <br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 832491 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-06 10:17 | 2025-03-12 14:00 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Recorded Quitclaim Deed dated xxxxxx provided. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Open-Property Title Issue Title has property is "vested in borrower and Trust". Trust needs to be removed from title as loan did not close in a trust it closed as xxxxxx, A single Man - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Resolved-Recorded Quitclaim Deed dated xxxxxx provided. - Due Diligence Vendor-03/12/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.83 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.93 Years |  | Quitclaim.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 832491 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 12:24 | 2025-03-06 11:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waived with compensating factors; Exception required to use three investment properties and primary as the basis of mortgage housing histories. Borrower has 200+ investment properties. (APPROVED) - Due Diligence Vendor-03/05/2025 |  | Waived-Waived with compensating factors; Exception required to use three investment properties and primary as the basis of mortgage housing histories. Borrower has 200+ investment properties. (APPROVED) - Due Diligence Vendor-03/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.83 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.93 Years | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%. <br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 832491 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 12:26 | 2025-03-06 11:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived- Finding waived with comp factors. Exception approved to allow for 1x30x12 on mortgage account with xxxxxx dated 08/2024; when housing requires 0x30x12. - Due Diligence Vendor-06/10/2025 |  | Waived-Exception approved to allow for 1x30x12 on mortgage account with xxxxxx dated 08/2024; when housing requires 0x30x12. - Due Diligence Vendor-06/10/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.83 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.93 Years | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%. <br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 835379 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-09 08:43 | 2025-04-18 13:41 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Final HUD/SS stamped CTC provided. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Counter-Missing CTC from Title/escrow company confirming its the Final SS - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-FINAL CD IS MISSING IN FILE - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Final HUD/SS stamped CTC provided. - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years |  | MISC SIGNED DOCS.pdf<br>Signed Loan Docs.pdf<br>final certified.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835379 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-09 08:25 | 2025-04-15 08:17 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835379 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-09 09:30 | 2025-04-11 16:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived- Finding waived with comp factors. Client waived with comp factors present. Condo is non-warrantable. HOA does not have a budget or reserves provided for in condo documents and Investor concentration is 97% - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Condo is non-warrantable. HOA does not have a budget or reserves provided for in condo documents and Investor concentration is 97% - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years | HIGH CREDIT SCORE |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835379 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-11 15:54 | 2025-04-11 16:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived- Finding waived with comp factors. Please leave a comment verifying the Number of Mortgaged Properties is xxxxxx. Guidelines permit loan balance up to Aggregate $2,000,000 for borrower. Total Aggregate loan amount for xxxxxx properties is xxxxxx. - Due Diligence Vendor-08/08/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is xxxxxx. Guidelines permit loan balance up to Aggregate $2,000,000 for borrower. Total Aggregate loan amount for xxxxxx properties is xxxxxx. - Due Diligence Vendor-08/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840204 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 23:02 | 2025-08-07 23:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Finding waived with comp factors. Client waived with comp factors present. Lender exception granted to permit transferred appraisal that is >45 days old. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Lender exception granted to permit transferred appraisal that is >45 days old. - Due Diligence Vendor-08/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score by at least 27 points. <br> All consumer debts are paid as agreed in the most recent 12 months. <br> Reserves exceed minimum required by at least 37 months. <br> DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840204 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 22:58 | 2025-08-07 22:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived- Finding waived with comp factors. Client waived with comp factors present. Exception approval is required for acreage of xxxxxx that exceeds the max allowed of 2 ac. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Exception approval is required for acreage of xxxxxx that exceeds the max allowed of 2 ac. - Due Diligence Vendor-08/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score by at least 27 points. <br> All consumer debts are paid as agreed in the most recent 12 months. <br> Reserves exceed minimum required by at least 37 months. <br> DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840204 | xxxxxx | B A | Closed | xxxxxx | 2025-04-16 13:22 | 2025-08-07 22:54 | Waived | 2 - Non-Material B | Property | Value | Appraised value unsupported | Waived- Finding waived with comp factors. Client waived with compensating factors. Exception approved to allow value of xxxxxx without appropriate comparables. Appraiser gave a value of xxxxxx. Per report, a parameter of xxxxxx miles was conducted and no similar closed sales were available with a xxxxxx to add to the report. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with compensating factors. Exception approved to allow value of xxxxxx without appropriate comparables. Appraiser gave a value of xxxxxx. Per report, a parameter of xxxxxx was conducted and no similar closed sales were available with a xxxxxx to add to the report. - Due Diligence Vendor-08/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score by at least 27 points. <br> All consumer debts are paid as agreed in the most recent 12 months. <br> Reserves exceed minimum required by at least 37 months. <br> DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840204 | xxxxxx | B A | Closed | xxxxxx | 2025-04-16 13:09 | 2025-08-07 22:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived- Finding waived with comp factors. Non-Arm's Length Transaction Exception approval is required for non-arm's length transaction. Subject property is FSBO. Per guideline, non-arm's length transaction is not allowed. - Due Diligence Vendor-08/08/2025 | Appears to be buying from family estate. Appraised value 51%LTV - 04/18/2025 <br>| Waived-Non-Arm's Length Transaction Exception approval is required for non-arm's length transaction. Subject property is FSBO. Per guideline, non-arm's length transaction is not allowed. - Due Diligence Vendor-08/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score by at least 27 points. <br> All consumer debts are paid as agreed in the most recent 12 months. <br> Reserves exceed minimum required by at least 37 months. <br> DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840204 | xxxxxx | B A | Closed | xxxxxx | 2025-04-16 11:25 | 2025-08-07 22:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Finding waived with comp factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval is required for subject property that is located in xxxxxx. - Due Diligence Vendor-08/08/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval is required for subject property that is located in xxxxxx. - Due Diligence Vendor-08/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score by at least 27 points. <br> All consumer debts are paid as agreed in the most recent 12 months. <br> Reserves exceed minimum required by at least 37 months. <br> DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840204 | xxxxxx | B A | Closed | xxxxxx | 2025-04-16 13:11 | 2025-08-07 22:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived- Finding waived with comp factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception on not meeting the seasoning requirement on loan modification on primary residence. Modification is regarding transfer of ownership from parents to the borrower. 12 months housing history is in file. - Due Diligence Vendor-08/08/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception on not meeting the seasoning requirement on loan modification on primary residence. Modification is regarding transfer of ownership from parents to the borrower. 12 months housing history is in file. - Due Diligence Vendor-08/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score by at least 27 points. <br> All consumer debts are paid as agreed in the most recent 12 months. <br> Reserves exceed minimum required by at least 37 months. <br> DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839423 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-03 17:10 | 2025-05-08 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Stamped CTC Final HUD provided - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-Missing Signed/Stamped CTC for Final HUD - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Final Settlement Statement missing. - Due Diligence Vendor-05/03/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Stamped CTC Final HUD provided - Due Diligence Vendor-05/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 88303b89-bd63-4944-8a80-bc76a8c802f8.pdf<br>final.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839423 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-01 09:21 | 2025-05-01 09:21 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived- Finding waived with comp factors. Exception Approval required for lack of VOM. Mortgage on primary residence does not have payment history documented. - Due Diligence Vendor-08/08/2025 |  | Waived-Exception Approval required for lack of VOM. Mortgage on primary residence does not have payment history documented. - Due Diligence Vendor-08/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. Purchasing property for less than the appraised value. <br> 2. Borrowers have 3 years of investor experience. <br> 3. FICO is over 100 points than the minimum required, 764. <br> 4. Co-Borrower's FICO is 767. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839423 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-01 09:20 | 2025-05-01 09:20 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Finding waived with comp factors. Exception Approval required for DSCR < 1.0; Program requires min 1.0 DSCR and verified DSCR is 0.82. - Due Diligence Vendor-08/08/2025 |  | Waived-Exception Approval required for DSCR < 1.0; Program requires min 1.0 DSCR and verified DSCR is 0.82. - Due Diligence Vendor-08/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. Purchasing property for less than the appraised value. <br> 2. Borrowers have 3 years of investor experience. <br> 3. FICO is over 100 points than the minimum required, 764. <br> 4. Co-Borrower's FICO is 767. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839423 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-01 09:20 | 2025-05-01 09:20 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived- Finding waived with comp factors. Exception Approval required to permit use of Gift Funds on Investment purchase. - Due Diligence Vendor-08/08/2025 |  | Waived-Exception Approval required to permit use of Gift Funds on Investment purchase. - Due Diligence Vendor-08/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. Purchasing property for less than the appraised value. <br> 2. Borrowers have 3 years of investor experience. <br> 3. FICO is over 100 points than the minimum required, 764. <br> 4. Co-Borrower's FICO is 767. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834886 | xxxxxx | C A | Closed | xxxxxx | 2025-05-09 15:27 | 2025-05-16 12:27 | Resolved | 1 - Information C A | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-Updated Appraiser Comment stating: The subject property was not affected by the recent xxxxxx, no negative impact on value or marketability was provided. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Appraisal updated fema disaster - Buyer-05/15/2025 <br> Open-Property is located near recent FEMA disaster. Missing comment from appraiser that the disaster did not have any impact on the valuation of the subject property. - Due Diligence Vendor-05/09/2025 |  | Resolved-Updated Appraiser Comment stating: The subject property was not affected by the recent xxxxxx, no negative impact on value or marketability was provided. - Due Diligence Vendor-05/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.51% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | House REVISED REPORT 5-13-2025.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836322 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 09:18 | 2025-05-13 12:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. 1008 and DSCR calculation in comment section - Due Diligence Vendor-05/08/2025 <br>Open-1008/Underwriting Summary Not Provided Missing Loan Approval and DSCR Worksheet. - Due Diligence Vendor-05/06/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years |  | Full Review836322_xxxxxx_5_7_2025_54916_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837712 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-08 15:43 | 2025-08-08 15:44 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived- Finding waived with comp factors. Exception granted to use expires passport as second form of identification documentation. - Due Diligence Vendor-08/08/2025 |  | Waived-Exception granted to use expires passport as second form of identification documentation. - Due Diligence Vendor-08/08/2025<br>| Experienced real estate investor - Guarantor is a seasoned real estate investor with long term rental property ownership experience <br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed minimum required by at least 3 months <br> Not income producing <br> Property conforms with neighborhood <br> No Physical deficiencies or adverse conditions |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837712 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 09:38 | 2025-05-15 13:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Operating Agreement located in the file on page 71 - Due Diligence Vendor-05/15/2025 <br> Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br> - Seller-05/13/2025 <br> Open-Note, DOT, business purpose cert, occupancy certs, and federal notices to be corrected with LLC member titles added to signature lines. - Due Diligence Vendor-05/08/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025<br>| Resolved-Operating Agreement located in the file on page 71 - Due Diligence Vendor-05/15/2025 | Experienced real estate investor - Guarantor is a seasoned real estate investor with long term rental property ownership experience <br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837712 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-06 07:25 | 2025-05-08 10:16 | Waived | 2 - Non-Material B | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Waived-Client waived with comp factors present. Exception granted to allow transferred appraisal report that is "Subject To" Satisfactory 1004D is on file. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Exception granted to allow transferred appraisal report that is "Subject To" Satisfactory 1004D is on file. - Due Diligence Vendor-08/08/2025<br>| Experienced real estate investor - Guarantor is a seasoned real estate investor with long term rental property ownership experience <br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed minimum required by at least 3 months <br> Not income producing <br> Property conforms with neighborhood <br> No Physical deficiencies or adverse conditions |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837712 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-06 07:24 | 2025-05-08 10:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 70% exceeds Guideline LTV of 60% Current LTV of 70% exceeds the max of 60% for no primary residence - Due Diligence Vendor-05/06/2025 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 60% Current LTV of 70% exceeds the max of 60% for no primary residence - Due Diligence Vendor-05/06/2025<br>| Experienced real estate investor - Guarantor is a seasoned real estate investor with long term rental property ownership experience <br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed minimum required by at least 3 months <br> Not income producing <br> Property conforms with neighborhood <br> No Physical deficiencies or adverse conditions |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837713 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 08:47 | 2025-05-15 13:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Articles of Origination located in the file on page 112 - Due Diligence Vendor-08/08/2025 <br> Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br> - Seller-05/13/2025 <br> Open-Note, DOT, business purpose cert, occupancy certs, and federal notices to be corrected with LLC member titles added to signature lines. - Due Diligence Vendor-05/08/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025<br>| Resolved-Articles of Origination located in the file on page 112 - Due Diligence Vendor-08/08/2025<br>| Owned primary home for over 4 years and 0x30x48 mortgage history<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837713 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 08:40 | 2025-05-08 08:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Waived with compensating factors; Exception granted for>10 mortgaged properties or >$2,000,000 aggregate financed to the same borrower. Borrower owns xxxxxx financed properties. - Due Diligence Vendor-08/08/2025 |  | Waived-Waived with compensating factors; Exception granted for>10 mortgaged properties or >$2,000,000 aggregate financed to the same borrower. Borrower owns xxxxxx financed properties. - Due Diligence Vendor-08/08/2025 | Owned primary home for over 4 years and 0x30x48 mortgage history<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | > 4 months reserves<br> C1 property condition<br> > 1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837713 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-06 17:22 | 2025-05-08 08:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waived with compensating factors; Audited LTV of 75% exceeds Guideline LTV of 70% Exception required on 75% LTV; maximum LTV allowed for unleased property is 70% - Due Diligence Vendor-05/06/2025 |  | Waived-Waived with compensating factors; Audited LTV of 75% exceeds Guideline LTV of 70% Exception required on 75% LTV; maximum LTV allowed for unleased property is 70% - Due Diligence Vendor-05/06/2025 | Owned primary home for over 4 years and 0x30x48 mortgage history<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | >4 months reserves<br> C1 property condition<br> At least 1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 837714 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 08:49 | 2025-05-15 14:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Operating Agreement located in the file on page 89 - Due Diligence Vendor-08/08/2025 <br> Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br> - Seller-05/13/2025 <br> Open-Note, DOT, business purpose cert, occupancy certs and federal notices to be corrected with LLC member titles added to signature lines. - Due Diligence Vendor-05/08/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025<br>| Resolved-Operating Agreement located in the file on page 89 - Due Diligence Vendor-08/08/2025<br>| Owned primary home for over 4 years and 0x30x48 mortgage history<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837714 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 09:14 | 2025-05-08 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Waived with compensating factors; Exception granted for > $2,000,000 aggregate financed to the same borrower. - Due Diligence Vendor-05/08/2025 |  | Waived-Waived with compensating factors; Exception granted for > $2,000,000 aggregate financed to the same borrower. - Due Diligence Vendor-05/08/2025 | Owned primary home for over 4 years and 0x30x48 mortgage history<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | > 4 months reserves<br> C1 property condition<br> > 1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837714 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 15:19 | 2025-05-08 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waived with compensating factors; Exception granted for 75% LTV; maximum LTV allowed for unleased property is 70% - Due Diligence Vendor-05/07/2025 |  | Waived-Waived with compensating factors; Exception granted for 75% LTV; maximum LTV allowed for unleased property is 70% - Due Diligence Vendor-05/07/2025 | Owned primary home for over 4 years and 0x30x48 mortgage history<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • >4 months reserves<br> • C1 property condition<br> • At least 1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 836053 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839424 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-10 15:26 | 2025-05-19 09:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Exception approval is required for current LTV is 70% exceeds the max allowed of 65% for first time homebuyer with no primary residence housing history - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Counter-Document Uploaded. The approved exception form provided is missing the Compensating Factors. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/13/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Lender exception for First Time Home buyer (FTHB) or No Primary Residence. page 9 or 468 of DSCR guidelines - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Waived-Approved Lender Exception: Exception approval is required for current LTV is 70% exceeds the max allowed of 65% for first time homebuyer with no primary residence housing history - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Current FICO is 801 while minimum required is 660 – exceeds minimum credit score by at least of 141 points<br> Borrower has sufficient tradelines as required by program<br> DSCR ratio of 1.11<br> Reserves exceed minimum required with at least 13.33 months (post closing) | Guideline Exception Form xxxxxx BUI.pdf<br> Screenshot 2025-05-14 125831.jpg<br> Guideline Exception Form xxxxxx BUI.pdf<br> Guideline Exception Form xxxxxx BUI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 835902 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-14 11:47 | 2025-06-11 19:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Updated DOT with correct rider as well as title declaration to re-record provided. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. See chain of email from xxxxxx with xxxxxx. The Assignment for Lease and Rents Rider is acceptable in-lieu-of 1-4 Family rider. Subject property is a xxxxxx and not SFD. xxxxxx. - Seller-06/11/2025 <br> Counter-Missing re-record declaration, and evidence of re-record from title is needed - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/10/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-05/15/2025 <br> Counter-Subject Property is an Investment Purchase. a 1-4 Family Rider is needed along with a corrected DOT with rider, re-record declaration, and evidence of re-record from title is needed. Once the documents are signed/Provided. Condition will be cleared, - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. see lox and docs - Seller-05/14/2025 <br> Open-1-4 Family Rider is Missing Missing 1-4 Family Rider. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. See chain of email from xxxxxx with xxxxxx. The Assignment for Lease and Rents Rider is acceptable in-lieu-of 1-4 Family rider. Subject property is a xxxxxx and not SFD. xxxxxx. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. see lox and docs - Seller-05/14/2025 | Resolved-Updated DOT with correct rider as well as title declaration to re-record provided. - Due Diligence Vendor-06/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx.pdf<br> xxxxxx condo rider.pdf<br> xxxxxx appraisal.pdf<br> Screenshot 2025-05-15 075249.jpg<br> xxxxxx email about re-recording.pdf<br> xxxxxx Original Signed Mortgage plus New Rider.pdf<br> xxxxxx Original Signed Mortgage plus New Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835902 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-14 12:24 | 2025-05-19 11:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Revised 1008 - Buyer-05/19/2025 <br> Counter-the 1008 still reflects Ratios and Income on a DSCR Loan. Updated 1008 requested - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. 1008 - Buyer-05/15/2025 <br> Counter-Document Uploaded. Subject Loan is a DSCR and no Income or ratios are to be included however the 1008 reflects Income and ratios. Provided corrected 1008 - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-05/14/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 to include DSCR calculation. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/14/2025<br>| Resolved-1008 provided - Due Diligence Vendor-05/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx 1008.pdf<br> Screenshot 2025-05-15 075604.jpg<br> xxxxxx revised 1008.pdf<br> xxxxxx 1008 revised 2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835902 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-14 12:29 | 2025-05-16 13:43 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Short term Rent schedule provided. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. see 1008 and short-term rental rent schedule - Buyer-05/15/2025 <br>Counter-Document Uploaded. Subject is a Inv Purchase - The Appraisal rent schedule states market rents as 1800.00 however the Lenders DSCR worksheet states property as a Short term rental with a gross monthly income of $4333.00 - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. see lox - Buyer-05/14/2025 <br>Open-Audit DSCR score of 0.70%. Due to missing 1008 unable to determine. - Due Diligence Vendor-05/14/2025 |  | Resolved-Short term Rent schedule provided. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx lox.pdf<br> Screenshot 2025-05-15 075907.jpg<br> Screenshot 2025-05-15 081727.jpg<br> Screenshot 2025-05-15 081122.jpg<br> Screenshot 2025-05-15 081843.jpg<br> xxxxxx revised 1008.pdf<br> xxxxxx short term rent schedule.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837766 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839418 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 09:31 | 2025-05-19 13:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Current LTV of 75% exceeds the max of 55%. (max of 60% less 5% for unleased property) - Due Diligence Vendor-05/15/2025 |  | Waived-Current LTV of 75% exceeds the max of 55%. (max of 60% less 5% for unleased property) - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years | Debt service coverage ratio >1.09<br>|  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839418 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 09:33 | 2025-05-19 13:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Waived with compensating factors; Exception granted to allow using the appraised value of xxxxxx. Per guideline, if owned less than 12 months, needs to use the purchase price plus <br> documented improvements. Borrower owned the property last xxxxxx with a purchase price of xxxxxx. Per the appraisal report, the <br> appraiser provided an overall condition rating of C3; xxxxxx updated less than one year ago; xxxxxx updated less than one year ago; The <br> subject is in overall average condition. xxxxxx. - Due Diligence Vendor-05/15/2025 |  | Waived-Waived with compensating factors; Exception granted to allow using the appraised value of xxxxxx. Per guideline, if owned less than 12 months, needs to use the purchase price plus <br> documented improvements. Borrower owned the property last xxxxxx with a purchase price of xxxxxx. Per the appraisal report, the <br> appraiser provided an overall condition rating of C3; xxxxxx updated less than one year ago; xxxxxx updated less than one year ago; The <br> subject is in overall average condition. xxxxxx. - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years | Debt service coverage ratio >1.09 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839418 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 09:33 | 2025-05-19 13:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance. | Waived-Waived with compensating factors; Ownership vesting does not meet the refinance cash out seasoning requirement of 6 months from deed transfer to application. Property was acquired on xxxxxx, application date of xxxxxx. - Due Diligence Vendor-05/15/2025 |  | Waived-Waived with compensating factors; Ownership vesting does not meet the refinance cash out seasoning requirement of 6 months from deed transfer to application. Property was acquired on xxxxxx, application date of xxxxxx. - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years | Debt service coverage ratio >1.09 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839418 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 09:34 | 2025-05-19 13:36 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived- Finding waived with comp factors. Exception to allow the loan amount of xxxxxx. Per guideline, the new loan amount can be no more than the actual documented amount of <br> $xxxxxx of the borrower's initial investment.<br> - Due Diligence Vendor-05/15/2025 |  | Waived-Exception to allow the loan amount of xxxxxx. Per guideline, the new loan amount can be no more than the actual documented amount of <br> xxxxxx of the borrower's initial investment.<br> - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years | Debt service coverage ratio >1.09 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834323 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836896 | xxxxxx | D A | Closed | xxxxxx | 2025-05-19 14:18 | 2025-06-02 00:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/02/2025 <br> Resolved-Rate lock provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. please see attached. - Due Diligence Vendor-06/02/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/19/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/02/2025 <br>Resolved-Rate lock provided. - Due Diligence Vendor-06/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review836896_xxxxxx_5_29_2025_53914_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836896 | xxxxxx | D A | Closed | xxxxxx | 2025-05-19 14:18 | 2025-06-02 00:05 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. IEAD - Due Diligence Vendor-06/02/2025 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-05/19/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-06/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review836896_xxxxxx_5_29_2025_53830_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839431 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 05:16 | 2025-05-15 05:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 65% exceeds Guideline LTV of 60% 65% LTV exceeds the maximum allowed LTV of 60% for borrowers not owning a primary residence - Due Diligence Vendor-05/15/2025 |  | Waived-Audited LTV of 65% exceeds Guideline LTV of 60% 65% LTV exceeds the maximum allowed LTV of 60% for borrowers not owning a primary residence - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.84 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | Reserves exceed minimum required by at least 6 months <br> Borrower exceeds minimum credit score requirement by at least 20 points <br> All consumer credit paid as agreed in the most recent 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 839415 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-08 15:49 | 2025-08-12 22:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Contribution Does Not Meet Minimum Requirements | Waived-Waived with compensating factors; Exception granted to allow 100% gift funds with no borrower contribution - Due Diligence Vendor-08/08/2025 |  | Waived-Waived with compensating factors; Exception granted to allow 100% gift funds with no borrower contribution - Due Diligence Vendor-08/08/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.78% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years | 1. DSCR 1.37; 2. LTV is 45.784%, max allowed is 75%; 3. Post closing reserves is 9.85 months which program requires 6  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837510 | xxxxxx | B A | Closed | xxxxxx | 2025-05-17 03:44 | 2025-05-17 03:44 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Finding waived with comp factors. Allow a DSCR < 1.25 with a loan amount < $150,000 - Due Diligence Vendor-05/17/2025 |  | Waived-Allow a DSCR < 1.25 with a loan amount < $150,000 - Due Diligence Vendor-05/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.3 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years | \* Experienced investor owns and manages 10 or more properties for 12 months <br> \* Current primary home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839425 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-23 14:45 | 2025-06-02 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-xxxxxx provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Open-1007 or xxxxxx rental estimate missing. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-xxxxxx provided. - Due Diligence Vendor-06/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.91 Years |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839425 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-19 09:15 | 2025-05-19 09:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. EXCEPTION APPROVAL REQUIRED FOR 80% LTV. MAX LTV FOR xxxxxx PROPERTIES IS 75%. - Due Diligence Vendor-05/19/2025 |  | Waived-EXCEPTION APPROVAL REQUIRED FOR 80% LTV. MAX LTV FOR xxxxxx PROPERTIES IS 75%. - Due Diligence Vendor-05/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.91 Years | 1. DSCR is 1.16. <br> 2. FICO is 804. <br> 3. Borrowers are experienced investors.<br> 4. Purchasing property for xxxxxx < Appraised Value. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839427 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 23:08 | 2025-08-07 23:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Waived with compensating factors; Condo project does not meet guidelines, Exception granted to allow pending litigations on HOA that have no marketing or structural impact on the subject property. Per HOA confirmation, HOA insurance covers all costs (attorneys, fees).<br> - Due Diligence Vendor-08/08/2025 |  | Waived-Waived with compensating factors; Condo project does not meet guidelines, Exception granted to allow pending litigations on HOA that have no marketing or structural impact on the subject property. Per HOA confirmation, HOA insurance covers all costs (attorneys, fees).<br> - Due Diligence Vendor-08/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed minimum required by at least 20 months. <br> Borrower exceeds minimum credit score requirement by at least 125 points. <br> All consumer credit paid as agreed in the most recent 12 months. <br> DSCR ratio of 1.23. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839427 | xxxxxx | B A | Closed | xxxxxx | 2025-05-19 07:17 | 2025-05-19 07:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Waived with compensating factors; Exception granted to allow seller credit of $12,750 which exceeds estimated closing cost of $12,495.75, guidelines require contributions be utilized for non-recurring closing costs only. - Due Diligence Vendor-05/19/2025 |  | Waived-Waived with compensating factors; Exception granted to allow seller credit of $12,750 which exceeds estimated closing cost of $12,495.75, guidelines require contributions be utilized for non-recurring closing costs only. - Due Diligence Vendor-05/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | · Reserves exceed minimum required by at least 20 months. <br> · Borrower exceeds minimum credit score requirement by at least 125 points. <br> · All consumer credit paid as agreed in the most recent 12 months. <br> · DSCR ratio of 1.23.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 836450 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837043 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837047 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835748 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-08 16:42 | 2025-08-08 16:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived- Finding waived with comp factors. - Due Diligence Vendor-08/08/2025 <br> Open-Client waived with Comp Factors present. Exception granted for subject property including commercial space that is <400sf (xxxxxxsf). - Due Diligence Vendor-08/20/2025 |  | Waived- Finding waived with comp factors. - Due Diligence Vendor-08/08/2025 <br> Open-Client waived with Comp Factors present. Exception granted for subject property including commercial space that is <400sf (xxxxxxsf). - Due Diligence Vendor-08/20/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.08 Years | Borrowers Investor experience is current primary residence this is a xxxxxx unit property he lives in xxxxxx of the units to the property lease agreements provided to validate rental history; FICO 769, DSCR 1.18 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 835748 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 14:12 | 2025-06-01 18:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.5 are greater than or equal to Guideline Required Reserves of 6. Final SS provided showing final funds to close. - Due Diligence Vendor-06/01/2025 <br> Ready for Review-Document Uploaded. 1008 and Final SS - Due Diligence Vendor-06/01/2025 <br> Open-Audited Reserves of 5.95 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/21/2025 |  | Resolved-Audited Reserves of 7.5 are greater than or equal to Guideline Required Reserves of 6. Final SS provided showing final funds to close. - Due Diligence Vendor-06/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.08 Years |  | Full Review835748_xxxxxx_5_28_2025_11933_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835748 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 14:21 | 2025-05-21 14:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waived with Comp Factors present. Exception granted for insufficient housing history. Mortgage payments made by joint acct with Grandfather, however account was closed when grandfather reported deceased and housing history no longer provided until estate probate finalized. Paid in cash during the gap months. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with Comp Factors present. Exception granted for insufficient housing history. Mortgage payments made by joint acct with Grandfather, however account was closed when grandfather reported deceased and housing history no longer provided until estate probate finalized. Paid in cash during the gap months. - Due Diligence Vendor-08/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.08 Years | -Credit Score 30+ points > minimum required<br> - Current primary home ownership > 5 years<br> - Credit Score 30+ points > minimum required<br> - DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837566 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837463 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839419 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 09:37 | 2025-06-10 14:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Finding waived with comp factors. Approved Lender Exception: use 1.5 months reserves instead of 6 months from net proceeds - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Counter-The Total verifying Assets (C/O) being used for reserves is less than 2 months (Short by -$290.25). an Updated Exception form needs to reflect the Audited Reserves of 1.81 months or provided additional assets to cover the full 2 months. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Although an exception was approved to use 2 months reserves instead of 6 months from net proceeds, audit reserves of 1.81 does not meet min of 2 full months. Missing B1 assets for reserves. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Waived-Approved Lender Exception: use 1.5 months reserves instead of 6 months from net proceeds - Due Diligence Vendor-06/10/2025<br>| Borrower has Owned Subject Property Greater than Five (5) Years - Borrower has owned subject property for eight (8) years per title.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.31% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | Current FICO is of 677 while min required is 660<br> Borrower has sufficient tradelines as required by program<br> LTV is more than 10% lower than max allowed | EXCEPTION FORM.pdf<br>EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839419 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 09:37 | 2025-05-27 10:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Finding waived with comp factors. Exception approved for loan amount of xxxxxx does not meet the minimum required of $150,000.<br> - Due Diligence Vendor-05/21/2025 |  | Waived-Exception approved for loan amount of xxxxxx does not meet the minimum required of $150,000.<br> - Due Diligence Vendor-05/21/2025 | Borrower has Owned Subject Property Greater than Five (5) Years - Borrower has owned subject property for eight (8) years per title.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.31% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | Current FICO is of 677 while min required is 660. Borrower has sufficient tradelines as required by program. LTV is more than 10% lower than max allowed. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839419 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 09:43 | 2025-05-27 10:58 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived- Finding waived with comp factors. Exception approved to use w7 in lieu of ITIN renewal letter. - Due Diligence Vendor-05/21/2025 |  | Waived-Exception approved to use w7 in lieu of ITIN renewal letter. - Due Diligence Vendor-05/21/2025<br>| Borrower has Owned Subject Property Greater than Five (5) Years - Borrower has owned subject property for eight (8) years per title.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.31% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | Current FICO is of 677 while min required is 660. Borrower has sufficient tradelines as required by program. LTV is more than 10% lower than max allowed. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839419 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 09:38 | 2025-05-27 10:58 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Missing | Waived- Finding waived with comp factors. Exception approved for not providing unexpired government photo id (i.e. driver's license). - Due Diligence Vendor-05/21/2025 |  | Waived-Exception approved for not providing unexpired government photo id (i.e. driver's license). - Due Diligence Vendor-05/21/2025<br>| Borrower has Owned Subject Property Greater than Five (5) Years - Borrower has owned subject property for eight (8) years per title.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.31% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | Current FICO is of 677 while min required is 660. Borrower has sufficient tradelines as required by program. LTV is more than 10% lower than max allowed. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839419 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 09:41 | 2025-05-27 10:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Exception approved for borrower living rent free on primary address. - Due Diligence Vendor-05/21/2025 |  | Waived-Exception approved for borrower living rent free on primary address. - Due Diligence Vendor-05/21/2025<br>| Borrower has Owned Subject Property Greater than Five (5) Years - Borrower has owned subject property for eight (8) years per title.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.31% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | Current FICO is of 677 while min required is 660. Borrower has sufficient tradelines as required by program. LTV is more than 10% lower than max allowed. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839429 | xxxxxx | B A | Closed | xxxxxx | 2025-05-21 08:31 | 2025-05-21 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Finding waived with comp factors. 663 score does not meet the minimum required of 680 for interest only - Due Diligence Vendor-05/21/2025 |  | Waived-663 score does not meet the minimum required of 680 for interest only - Due Diligence Vendor-05/21/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.45% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Current LTV less 45.45% less than max allowed<br> All consumer credit paid as agreed in the most recent 12 months<br> Debt service coverage ratio of 1.30 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835496 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 15:32 | 2025-06-18 12:33 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-PPP amendment sent to the borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-See LOE to borrower and proof of mailing <br> - Due Diligence Vendor-06/18/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-05/21/2025 |  | Resolved-PPP amendment sent to the borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.82% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835496 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-21 16:28 | 2025-05-21 16:28 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.82% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835520 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-21 09:01 | 2025-06-18 13:51 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Amended PPP sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. LOE and proof of delivery to borrower for PPP mistake. <br> - Due Diligence Vendor-06/18/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. As per note doc updated.\*\*\*\*\*\*\*\*Section 1343.011 - xxxxxx Revised Code -- Max PPP in xxxxxx is 1% - Due Diligence Vendor-05/27/2025 |  | Resolved-Amended PPP sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.8% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835520_xxxxxx_6_18_2025_115419_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835520 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-27 13:57 | 2025-06-02 00:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Statement for primary residence provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. See Mortgage statement - Due Diligence Vendor-06/02/2025 <br> Open-Mortgage statement for Borrower's primary residence xxxxxx is missing. - Due Diligence Vendor-05/27/2025 |  | Resolved-Statement for primary residence provided. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.8% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835520_xxxxxx_5_30_2025_21807_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835520 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-27 16:15 | 2025-05-27 16:15 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.8% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835572 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-21 15:21 | 2025-06-18 12:10 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-PPP amended to show 1% max over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. See LOE to borrower and proof of delivery - Due Diligence Vendor-06/18/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-05/21/2025 |  | Resolved-PPP amended to show 1% max over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835572_xxxxxx_6_18_2025_112551_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835572 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-27 14:37 | 2025-06-02 00:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided for xxxxxx. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx mortgage statement - Due Diligence Vendor-06/02/2025 <br> Open-Missing mortgage statement for primary residence xxxxxx. - Due Diligence Vendor-05/27/2025 |  | Resolved-Mortgage statement provided for xxxxxx. - Due Diligence Vendor-06/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835572_xxxxxx_5_30_2025_22642_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835572 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-27 16:27 | 2025-05-27 16:27 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835576 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-07 22:34 | 2025-08-07 22:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance. | Waived- Finding waived with comp factors. Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Client waived with comp factors. Exception granted for ownership seasoning to do cash-out transaction. Borrower inherited property and does not meet ownership seasoning requirements per guidelines. - Due Diligence Vendor-08/08/2025 |  | Waived-Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Client waived with comp factors. Exception granted for ownership seasoning to do cash-out transaction. Borrower inherited property and does not meet ownership seasoning requirements per guidelines. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO>20, LTV 55.2 - Loan Amount Less than $150,000 with DSCR of 1.09 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835576 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-21 15:42 | 2025-06-18 12:17 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Amended PPP sent to the borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Letter to borrower regarding PPP and proof of delivery - Due Diligence Vendor-06/18/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-05/27/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-05/21/2025 |  | Resolved-Amended PPP sent to the borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review_Comments_835576_xxxxxx_6_18_2025_83120_AM.csv | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835576 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-27 16:54 | 2025-06-02 00:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Statement provided for primary residence. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. See mortgage statement - Due Diligence Vendor-06/02/2025 <br> Open-Missing mortgage statement for primary residence xxxxxx - Due Diligence Vendor-05/27/2025 |  | Resolved-Statement provided for primary residence. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835576_xxxxxx_5_30_2025_24702_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835576 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-27 16:32 | 2025-05-27 16:32 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835579 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-21 12:26 | 2025-06-18 12:20 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-PPP amendment sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. See LOE to borrower on PPP and proof of delivery - Due Diligence Vendor-06/18/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. \*\*\*\*\*\*\*\*\*\*\*\*\*\* Section 1343.011 - xxxxxx Revised Code ----------- Max PPP is 1% - Due Diligence Vendor-05/27/2025 |  | Resolved-PPP amendment sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.11% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835579_xxxxxx_6_18_2025_84048_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835579 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-27 17:02 | 2025-06-02 00:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Statement provided for primary residence. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-06/02/2025 <br> Open-Missing mortgage statement for primary residence xxxxxx - Due Diligence Vendor-05/27/2025 |  | Resolved-Statement provided for primary residence. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.11% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835579_xxxxxx_5_30_2025_24836_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835579 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-21 13:38 | 2025-05-21 13:38 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Borrower does not meet requirements for cash-out transaction. Borrower inherited investment property and has less than one year investor experience. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.11% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed requirement by 10 months or more<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837343 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-27 13:39 | 2025-06-12 16:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Waived-Waived with compensating factors. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. see email from xxxxxx - Buyer-06/10/2025 <br> Counter-Missing Approved Investor Exception form with compensating factors - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. see pricing - Buyer-06/05/2025 <br> Open-Per xxxxxx Handbook dated 2-5-25 pg #95 states that cash out is not permitted on properties that were listed for sale in the past 90 days without an exception. TPR is unable to locate exception in file. Per appraisal under doc pg #35 it states that property was on the market for 55 days starting 2/7/2025 and was cancelled on xxxxxx - Due Diligence Vendor-05/27/2025 <br> Open-Per xxxxxx Handbook dated 2-5-25 pg #95 states that cash out is not permitted on properties that were listed for sale in the past 90 days without an exception. TPR is unable to locate exception in file. Per appraisal under doc pg #35 it states that property was on the market for 55 days starting 2/7/2025 and was cancelled on xxxxxx - Due Diligence Vendor-05/27/2025 |  | Waived-Waived with compensating factors. - Due Diligence Vendor-06/12/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More | xxxxxx pricing adjustment for xxxxxx.pdf<br> xxxxxx email from Verus.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 837348 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-27 13:45 | 2025-06-16 14:08 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. UW missed this property has been listed for sale within 90 days. its evident from the listing history on the appraisal that it was not selling and the borrower decided to keep it a rental. It came off xxxxxx xxxxxx and we closed on xxxxxx - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. See Client exception. This is the same as the other 3 loans. xxxxxx - Buyer-06/13/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Per xxxxxx Handbook dated 2-5-25 pg #95 states that cash out is not permitted on properties that were listed for sale in the past 90 days without an exception. TPR is unable to locate exception in file. Per appraisal under doc pg #41 it states that property was on the market for 55 days starting xxxxxx and was cancelled on xxxxxx- Due Diligence Vendor-05/27/2025 |  | Waived-approved Investor Exception: UW missed this property has been listed for sale within 90 days. its evident from the listing history on the appraisal that it was not selling and the borrower decided to keep it a rental. It came off xxxxxx xxxxxx and we closed on xxxxxx - Due Diligence Vendor-06/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 65% LTV and under max<br> 761 credit score<br> Seasoned investor<br> 1.18 DSCR ratio<br> 117 months post close reserves | Exception Approval - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 837348 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-27 15:54 | 2025-05-29 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Docs provided. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Entity docs - Buyer-05/27/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN EIN missing. Provide IRS.Gov form. - Due Diligence Vendor-05/27/2025 |  | Resolved-Business Docs provided. - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx entity docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837347 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-27 13:14 | 2025-06-12 13:23 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Waived with compensating factors. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. see chain of email from xxxxxx. They approved the exception. xxxxxx - Buyer-06/10/2025 <br> Counter-Missing Approved Investor Exception form with Compensating Factors - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. See pricing adjustment - Buyer-06/05/2025 <br> Open-Per xxxxxx Handbook dated 2-5-25 pg #95 states that cash out is not permitted on properties that were listed for sale in the past 90 days without an exception. TPR is unable to locate exception in file. Per appraisal under doc pg #34 it states that property was on the market for 55 days starting xxxxxx and was cancelled on xxxxxx - Due Diligence Vendor-05/27/2025 |  | Waived-Waived with compensating factors. - Due Diligence Vendor-06/12/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More | xxxxxx pricing adjustment.pdf<br> xxxxxx email from Verus.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 836067 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834769 | xxxxxx | C A | Closed | xxxxxx | 2025-05-28 11:42 | 2025-06-02 00:01 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review value of xxxxxx supports the appraised value xxxxxx within a -10.0% tolerance. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-06/02/2025 <br> Open-Per guidelines: • xxxxxx Form 1004, 1025, 1073 with interior/exterior inspection. Appraisal review product required unless 2nd appraisal obtained. No CU/LCA reflected on SSR form provided. Provide Third Party Review product. - Due Diligence Vendor-05/28/2025 |  | Resolved-Desk review value of xxxxxx supports the appraised value xxxxxx within a -10.0% tolerance. - Due Diligence Vendor-06/02/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.49 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review834769_xxxxxx_5_29_2025_60110_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837657 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839430 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-18 17:03 | 2025-06-18 17:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance. | Waived- Finding waived with comp factors. Originator Exception granted for cash out seasoning within 6 months. - Due Diligence Vendor-06/18/2025 <br> Open-Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Subject property acquired xxxxxx. - Due Diligence Vendor-06/18/2025 |  | Waived-Originator Exception granted for cash out seasoning within 6 months. - Due Diligence Vendor-06/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.57 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 63 months reserves from cash out proceeds; 731 FICO; Neighborhood is >75% built up with less than 3 months marketing time |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839430 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-30 18:28 | 2025-06-06 08:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived- Finding waived with comp factors. Approved Lender Exception: Exception required for not meeting the minimum loan amount of $150,000. Current loan amount is xxxxxx<br> - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Exception required for not meeting the minimum loan amount of $150,000. Current loan amount is xxxxxx, exception in file is not signed approved and offers only 1 comp factor. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Waived-Approved Lender Exception: Exception required for not meeting the minimum loan amount of $150,000. Current loan amount is xxxxxx<br> - Due Diligence Vendor-06/06/2025  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.57 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 63 months reserves from cash out proceeds  | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839430 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-30 18:30 | 2025-06-06 08:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Exception required for 65% exceeding max LTV allowed for no owned primary residence and 55% for First time investor - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Exception required for 65% exceeding max LTV allowed for no owned primary residence and 55% for First time investor, exception in file is not signed or approved and only 1 comp factor reflected. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Waived-Approved Lender Exception: Exception required for 65% exceeding max LTV allowed for no owned primary residence and 55% for First time investor - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.57 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 63 months reserves from cash out proceeds  | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839430 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-02 11:51 | 2025-06-04 08:25 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Missing primary appraisal. Only 1004d completion report provided. Provide full primary appraisal. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-06/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.57 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837116 | xxxxxx | D A | Closed | xxxxxx | 2025-06-01 14:13 | 2025-06-04 08:39 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Appraisal is Missing Appraisal in file but CU and / or CDA is missing from file to support the value. Property overview on xxxxxx supports a value of xxxxxx estimated and lender input value to be verified xxxxxx under doc pg #275. Provide a secondary verification to support a value of xxxxxx - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | APPRAISAL.pdf<br>CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837116 | xxxxxx | D A | Closed | xxxxxx | 2025-05-27 21:29 | 2025-06-04 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx, Evidence Of Property Ins.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838631 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836667 | xxxxxx | C A B | Closed | xxxxxx | 2025-05-29 14:49 | 2025-06-18 14:34 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Amended PPP sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. See attached PPP LOE - Due Diligence Vendor-06/18/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-05/29/2025 |  | Resolved-Amended PPP sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validate Months Reserves Of 59.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review836667_xxxxxx_6_18_2025_15527_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836667 | xxxxxx | C A B | Closed | xxxxxx | 2025-05-29 15:49 | 2025-06-05 18:29 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-06/05/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/29/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validate Months Reserves Of 59.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review836667_xxxxxx_6_4_2025_42940_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839403 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839426 | xxxxxx | B A | Closed | xxxxxx | 2025-05-28 06:41 | 2025-06-02 18:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Finding waived with comp factors. Audited FICO of 670 is less than Guideline FICO of 680 Exception required for not meeting minimum of 680 FICO score for First Time Investor, current FICO score is 670 - Due Diligence Vendor-05/28/2025 |  | Waived-Audited FICO of 670 is less than Guideline FICO of 680 Exception required for not meeting minimum of 680 FICO score for First Time Investor, current FICO score is 670 - Due Diligence Vendor-05/28/2025<br>| Audited reserves exceed guideline minimum - - Verified reserves of 7.68 months exceed 2 month requirement.<br> Property Equity - Subject properties sales price of xxxxxx is lower than the appraisal value of xxxxxx with two supporting appraisal review products evidencing additional equity on subject property not included in current LTV of 70%. |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839426 | xxxxxx | B A | Closed | xxxxxx | 2025-05-28 06:41 | 2025-06-02 18:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 70% exceeds Guideline LTV of 60% Exception required for current LTV of 65% exceeds the max of 60% for no Primary Residence. - Due Diligence Vendor-05/28/2025 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 60% Exception required for current LTV of 65% exceeds the max of 60% for no Primary Residence. - Due Diligence Vendor-05/28/2025<br>| Audited reserves exceed guideline minimum - - Verified reserves of 7.68 months exceed 2 month requirement.<br> Property Equity - Subject properties sales price of xxxxxx is lower than the appraisal value of xxxxxx with two supporting appraisal review products evidencing additional equity on subject property not included in current LTV of 70%. |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 834358 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837522 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837245 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838053 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837599 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836963 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838472 | xxxxxx | C A | Closed | xxxxxx | 2025-06-03 11:39 | 2025-06-05 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-xxxxxx law (xxxxxx.S.A. 46:10B-2) generally prohibits lenders from charging prepayment penalties on mortgage loans secured by a natural person's residence - Due Diligence Vendor-06/05/2025 <br> Ready for Review-This would only apply if vested in an individual. This loan closed and will be vested as xxxxxx - Buyer-06/03/2025 <br> Open-Per guidelines: Penalties not allowed on loans vested to individuals in xxxxxx and xxxxxx - Due Diligence Vendor-06/03/2025 |  | Resolved-xxxxxx law (xxxxxx s.A. 46:10B-2) generally prohibits lenders from charging prepayment penalties on mortgage loans secured by a natural person's residence - Due Diligence Vendor-06/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837661 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833843 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-10 11:36 | 2025-06-17 07:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD provided - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open- - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Final HUD provided - Due Diligence Vendor-06/17/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | FINAL BORROWER'S SETTLEMENT STATEMENT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833843 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-10 12:41 | 2025-06-13 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents Provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles, COGS and EIN for xxxxxx, only Operating Agreement in file. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Business Documents Provided - Due Diligence Vendor-06/13/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf<br>LLC VESTING ï¿½ IRS EIN LETTER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833843 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-07 07:05 | 2025-06-10 12:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived- Finding waived with comp factors. Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1000000 The current loan amount of xxxxxx exceeds the limit of $1,000,000. - Due Diligence Vendor-06/07/2025 |  | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1000000 The current loan amount of xxxxxx exceeds the limit of $1,000,000. - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | Reserves over 20+ months <br> Mortgage payment 0X30  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833843 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-07 07:05 | 2025-06-10 12:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 65% exceeds Guideline LTV of 55% The current ltv of 65% is more than the acceptable limit of 55% as per (loan program code) guidelines. Restructure the loan to bring ltv within allowable limit. - Due Diligence Vendor-06/07/2025 |  | Waived-Audited LTV of 65% exceeds Guideline LTV of 55% The current ltv of 65% is more than the acceptable limit of 55% as per (loan program code) guidelines. Restructure the loan to bring ltv within allowable limit. - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | Reserves over 20+ months <br> Mortgage payment 0X30  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833843 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-07 07:05 | 2025-06-10 12:39 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Finding waived with comp factors. current dscr of 0.51 does not meet min dscr of 0.80 to <1.0 - Due Diligence Vendor-06/07/2025 |  | Waived-current dscr of 0.51 does not meet min dscr of 0.80 to <1.0 - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | - Reserves over 20+ months <br> - Mortgage payment 0X30 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833843 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-07 07:06 | 2025-06-10 12:39 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Exception to use asset expiration date up to 90 days while program guidelines allow up to 60 days - Due Diligence Vendor-06/07/2025 |  | Waived-Exception to use asset expiration date up to 90 days while program guidelines allow up to 60 days - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | - Reserves over 20+ months <br> - Mortgage payment 0X30 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839417 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-08 16:06 | 2025-08-08 16:06 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client waived with comp factors present. Lender exception granted to allow use of full lease amount, which exceeds market rent by more than 120%. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Lender exception granted to allow use of full lease amount, which exceeds market rent by more than 120%. - Due Diligence Vendor-08/08/2025 | Investment Property DSCR Exceeds 1.20 - Audited DSCR exceeds 1.20 utilizing the current lease agreement.<br> Property Equity - Subject property sales price of xxxxxx is less than the appraised value of xxxxxx with two supporting appraisal review products evidencing additional equity not accounted for in LTV of 75%. | Borrower has been employed for more than 10 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839417 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-03 10:44 | 2025-06-05 10:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Finding waived with comp factors. Exception to allow 2 months of reserves, as per guidelines 6 months of reserves is required. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Audited Reserves of 2.14 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Waived-Approved Lender Exception: Exception to allow 2 months of reserves, as per guidelines 6 months of reserves is required. - Due Diligence Vendor-06/05/2025 | Investment Property DSCR Exceeds 1.20 - Audited DSCR exceeds 1.20 utilizing the current lease agreement.<br> Property Equity - Subject property sales price of xxxxxx is less than the appraised value of xxxxxx with two supporting appraisal review products evidencing additional equity not accounted for in LTV of 75%. | Borrower has been employed for more than 10 years. | EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840197 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-30 17:39 | 2025-08-08 16:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Cashout not Allowed | Waived- Finding waived with comp factors. Client waiver provided with comp factors present. Lender approved exception to allow cash-out transaction when property has been listed within last 6 months. Online post shows listing terminated xxxxxx, however, no verification or MLS number provided - Due Diligence Vendor-08/08/2025 |  | Waived-Client waiver provided with comp factors present. Lender approved exception to allow cash-out transaction when property has been listed within last 6 months. Online post shows listing terminated xxxxxx, however, no verification or MLS number provided - Due Diligence Vendor-08/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.3 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Experienced real estate investor - Borrower has over Ten (10) Years experience as investor. | Borrower has owned the subject property since xxxxxx <br> 1003 disclosed borrower to be a xxxxxx. <br> Subject property located in xxxxxx is a xxxxxx. <br> 2 appraisal reports were completed - #1 value at xxxxxx and #2 value at xxxxxx – loan is qualified on lower value. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840197 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-30 17:57 | 2025-06-13 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-xxxxxx Document provided. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. We are not using xxxxxx for DSCR calculation. <br> This was just for the purpose of comparing with xxxxxx calculation. <br> Attached the xxxxxx <br> - Seller-06/11/2025 <br> Counter-The document is not the xxxxxx source doc used to qualify short term rental. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-Lender Provided an internal short term rental calculations however missing the xxxxxx document to support those calculations. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-In Appraisal Occupancy Type mention Tennent, But Lease Agreement is not provided. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. We are not using xxxxxx for DSCR calculation. <br> This was just for the purpose of comparing with xxxxxx calculation. <br> Attached the xxxxxx <br> - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 | Resolved-xxxxxx Document provided. - Due Diligence Vendor-06/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.3 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Experienced real estate investor - Borrower has over Ten (10) Years experience as investor. |  | xxxxxx RENTAL INCOME.pdf<br> xxxxxx RENTAL INCOME.pdf<br> xxxxxx (4).pdf<br> xxxxxx RENTAL INCOME.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840197 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-30 17:41 | 2025-05-30 17:41 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Finding waived with comp factors. EXCEPTION APPROVAL TO ALLOW DSCR OF .34 BASED ON 1007. xxxxxx YIELDS DSCR OF .41. - Due Diligence Vendor-05/30/2025 |  | Waived-EXCEPTION APPROVAL TO ALLOW DSCR OF .34 BASED ON 1007. xxxxxx YIELDS DSCR OF .41. - Due Diligence Vendor-05/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.3 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Experienced real estate investor - Borrower has over Ten (10) Years experience as investor. | • Borrower has owned the subject property since xxxxxx <br> • 1003 disclosed borrower to be a xxxxxx. <br> • Subject property located in xxxxxx is a xxxxxx. <br> • 2 appraisal reports were completed - #1 value at xxxxxx and #2 value at xxxxxx – loan is qualified on lower value. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840197 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-30 17:37 | 2025-05-30 17:37 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. EXCEPTION APPROVAL TO ALLOW FOR CASH OUT REFINANCE WHEN DSCR IS < 1 AND BORROWER HAS NO CREDIT. - Due Diligence Vendor-08/08/2025 |  | Waived-EXCEPTION APPROVAL TO ALLOW FOR CASH OUT REFINANCE WHEN DSCR IS < 1 AND BORROWER HAS NO CREDIT. - Due Diligence Vendor-08/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.3 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Experienced real estate investor - Borrower has over Ten (10) Years experience as investor. | • Borrower has owned the subject property since xxxxxx <br> • 1003 disclosed borrower to be a xxxxxx. <br> • Subject property located in xxxxxx is a xxxxxx. <br> • 2 appraisal reports were completed - #1 value at xxxxxx and #2 value at xxxxxx – loan is qualified on lower value. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840197 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-30 16:56 | 2025-05-30 16:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 63.61% exceeds Guideline LTV of 55% EXCEPTION APPROVAL FOR LTV OF 63.614% WHEN MAXIMUM ALLOWED IS 55%. - Due Diligence Vendor-05/30/2025 |  | Waived-Audited LTV of 63.61% exceeds Guideline LTV of 55% EXCEPTION APPROVAL FOR LTV OF 63.614% WHEN MAXIMUM ALLOWED IS 55%. - Due Diligence Vendor-05/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.3 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Experienced real estate investor - Borrower has over Ten (10) Years experience as investor. | • Borrower has owned the subject property since xxxxxx<br> • 1003 disclosed borrower to be a xxxxxx.<br> • Subject property located in xxxxxx is a xxxxxx.<br> • 2 appraisal reports were completed - #1 value at xxxxxx and #2 value at xxxxxx – loan is qualified on lower value. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840197 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-30 16:56 | 2025-05-30 16:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived- Finding waived with comp factors. Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1500000 EXCEPTION APPROVAL TO ALLOW FOR LOAN AMOUNT OF xxxxxx WHICH EXCEEDS MAXIMUM ALLOWABLE AT $1,500,000. - Due Diligence Vendor-05/30/2025 |  | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1500000 EXCEPTION APPROVAL TO ALLOW FOR LOAN AMOUNT OF xxxxxx WHICH EXCEEDS MAXIMUM ALLOWABLE AT $1,500,000. - Due Diligence Vendor-05/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.3 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Experienced real estate investor - Borrower has over Ten (10) Years experience as investor. | • Borrower has owned the subject property since xxxxxx<br> • 1003 disclosed borrower to be a xxxxxx.<br> • Subject property located in xxxxxx is a xxxxxx.<br> • 2 appraisal reports were completed - #1 value at xxxxxx and #2 value at xxxxxx – loan is qualified on lower value. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840199 | xxxxxx | B A | Closed | xxxxxx | 2025-06-04 10:47 | 2025-06-04 10:47 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Lender exception to allow 100% gift fund. - Due Diligence Vendor-06/04/2025 |  | Waived-Lender exception to allow 100% gift fund. - Due Diligence Vendor-06/04/2025 | Experienced real estate investor - Borrower has over 2 years experience owning and operating rental investment property.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV < 20% less than max<br> All consumer credit paid as agreed in the most recent 12 months<br> DSCR of 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840199 | xxxxxx | B A | Closed | xxxxxx | 2025-06-02 11:11 | 2025-06-04 10:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Foreign National or Non-U.S. Citizen Indicator | Waived- Finding waived with comp factors. Exception to use W-7 form for ITIN issued more than 3 years ago<br>Accept ITIN letter with incomplete pages (missing page 2) - Due Diligence Vendor-06/02/2025 |  | Waived-Exception to use W-7 form for ITIN issued more than 3 years ago<br>Accept ITIN letter with incomplete pages (missing page 2) - Due Diligence Vendor-06/02/2025 | Experienced real estate investor - Borrower has over 2 years experience owning and operating rental investment property.<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Current LTV less 20% less than max allowed<br> All consumer credit paid as agreed in the most recent 12 months;<br> Debt service coverage ratio is 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840199 | xxxxxx | B A | Closed | xxxxxx | 2025-06-02 11:16 | 2025-06-04 10:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Insurance Document(s) Do Not Meet Guideline Requirements | Waived-Waived with compensating factors; Exception granted to allow rent loss coverage as "12 months Actual Loss Sustained" instead of the amount equivalent to 6 months of gross rent - Due Diligence Vendor-06/02/2025 |  | Waived-Waived with compensating factors; Exception granted to allow rent loss coverage as "12 months Actual Loss Sustained" instead of the amount equivalent to 6 months of gross rent - Due Diligence Vendor-06/02/2025 | Experienced real estate investor - Borrower has over 2 years experience owning and operating rental investment property.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Current LTV less 20% less than max allowed<br> All consumer credit paid as agreed in the most recent 12 months;<br> Debt service coverage ratio is 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840199 | xxxxxx | B A | Closed | xxxxxx | 2025-06-02 11:00 | 2025-06-04 10:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Finding waived with comp factors. Audited FICO of 655 is less than Guideline FICO of 680 655 FICO below the minimum of 680 - Due Diligence Vendor-06/04/2025 |  | Waived-Audited FICO of 655 is less than Guideline FICO of 680 655 FICO below the minimum of 680 - Due Diligence Vendor-06/04/2025 | Experienced real estate investor - Borrower has over 2 years experience owning and operating rental investment property.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV < 20% of max allowed<br> All consumer credit paid as agreed in most recent 12 months<br> DSCR of 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 836748 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838398 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838702 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839428 | xxxxxx | B A | Closed | xxxxxx | 2025-06-05 05:52 | 2025-06-06 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived- Finding waived with comp factors. EXCEPTION FOR ACREAGE EXCEEDS THE MAX ALLOWED OF 2. PROPERTY IS xxxxxx. - Due Diligence Vendor-06/05/2025 |  | Waived-EXCEPTION FOR ACREAGE EXCEEDS THE MAX ALLOWED OF 2. PROPERTY IS xxxxxx. - Due Diligence Vendor-06/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. DSCR IS 2.49 (adjusted > 2.0)<br> 2. Credit Score is 776, minimum required is 660 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839428 | xxxxxx | B A | Closed | xxxxxx | 2025-06-05 05:49 | 2025-06-06 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived- Finding waived with comp factors. EXCEPTION REQUIRED FOR AGRICULTURAL ZONED PROPERTY. - Due Diligence Vendor-06/05/2025 |  | Waived-EXCEPTION REQUIRED FOR AGRICULTURAL ZONED PROPERTY. - Due Diligence Vendor-06/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. DSCR IS 2.49(adjusted > 2.0)<br> 2. Credit Score is 776, minimum required is 660. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839428 | xxxxxx | B A | Closed | xxxxxx | 2025-06-05 05:46 | 2025-06-06 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION FOR LTV OF 75% EXCEEDS THE MAX ALLOWED OF 70% FOR USE OF SHORT-TERM RENTAL<br> - Due Diligence Vendor-06/05/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION FOR LTV OF 75% EXCEEDS THE MAX ALLOWED OF 70% FOR USE OF SHORT-TERM RENTAL<br> - Due Diligence Vendor-06/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. DSCR IS 2.49(adjusted > 2.0)<br> 2. Credit Score is 776, minimum required is 660. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837451 | xxxxxx | D A | Closed | xxxxxx | 2025-06-06 14:43 | 2025-08-08 18:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Master HOI and HO6 policy - Buyer-06/06/2025 <br> Open-Missing HO-6 Master Insurance Policy Provide Master Insurance policy for subject condo project as it was not provided at the time of review to confirm adequate coverage. - Due Diligence Vendor-06/06/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx HO6.pdf<br> xxxxxx master hoi.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838347 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-06 13:26 | 2025-07-30 13:13 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Partial | Waived- Finding waived with comp factors. Document Uploaded. Investor exception granted to waive missing xxxxxx/crime master policy insurance coverage. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. See text from HOA. They don't have any employees, so they don't have any crime/xxxxxx coverage. You only have that coverage when there are employees. - Buyer-07/21/2025 <br> Counter-Please provided breakdown from the provider outlining what is included in general liability coverage - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/25/2025 <br> Counter-Missing sufficient master insurance policy coverage that includes xxxxxx/crime and liability coverage. - Due Diligence Vendor-06/21/2025 <br> Ready for Review-Document Uploaded. See email from Master HOI ins co regarding coverage. xxxxxx - Seller-06/17/2025 <br> Open-HO-6 Master Insurance Policy Partially Provided Provide master Insurance Policy including property, xxxxxx/crime, liability and wind, along with HO-6 policy if <br> master is not walls in. At the time of review the master insurance policy shows only Bldg Replacement cost of xxxxxx and Wind showing no coverage as deductible of 10% and insurance documentation is considered incomplete.<br> - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. See email from Master HOI ins co regarding coverage. xxxxxx - Seller-06/17/2025 | Waived-Document Uploaded. Investor exception granted to waive missing xxxxxx/crime master policy insurance coverage. - Due Diligence Vendor-07/30/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.38 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 | HOA does not have any employees | xxxxxx master policy RCE info.pdf<br> xxxxxx FOR INFORMATION ONLY_xxxxxx_24-25 xxxxxx #11_5-21-2025_1058075061.pdf<br> xxxxxx email for no crime coverage.pdf<br> xxxxxx FOR INFORMATION ONLY_xxxxxx_24-25 xxxxxx #11_5-21-2025_1058075061.pdf<br> xxxxxxs text from HOA.pdf<br> xxxxxx FOR INFORMATION ONLY_xxxxxx_24-25 xxxxxx #11_5-21-2025_1058075061.pdf<br> xxxxxx Exception Approval Email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838347 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-06 13:28 | 2025-06-09 13:22 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-06/09/2025 <br> Open-HOA Questionnaire is Missing or incomplete . Provide condo Current annual budget and Balance Sheet dated within the past 90 days. Only the condo questionnaire was provided at review. - Due Diligence Vendor-06/06/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-06/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.38 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838347 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-06 14:05 | 2025-06-06 14:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived-Waived with compensating factors; Exception granted for Investor percentage being over 90%. - Due Diligence Vendor-07/31/2025 |  | Waived-Waived with compensating factors; Exception granted for Investor percentage being over 90%. - Due Diligence Vendor-07/31/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.37 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.38 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 | LTV/CLTV 5% or more below minimum allowed under guideline. Reserves exceed requirement by 10 months or more. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838347 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-06 14:02 | 2025-06-06 14:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Finding waived with comp factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Client waiver proved based on comp factors. Condition granted: Loan Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Client waiver proved based on comp factors. Condition granted: Loan Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.38 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 LTV/CLTV 5% or more below minimum allowed under guideline. Reserves exceed requirement by 10 months or more. Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxxxxx xxxxxx Second Home Purchase NA Originator Pre-Close Yes xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837270 | xxxxxx | C A | Closed | xxxxxx | 2025-06-04 08:05 | 2025-06-17 19:30 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-PPP terms amended to reflect max PPP at 1% over the 5 year term which is allowable in xxxxxx. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. PP Letter with tracking number - Due Diligence Vendor-06/17/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-06/04/2025 |  | Resolved-PPP terms amended to reflect max PPP at 1% over the 5 year term which is allowable in xxxxxx. - Due Diligence Vendor-06/17/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review837270_xxxxxx_6_17_2025_53657_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837385 | xxxxxx | C A | Closed | xxxxxx | 2025-06-04 20:28 | 2025-06-17 19:19 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-PPP terms amended to reflect the max PPP percent as 1% over the first 5 years which is allowable for xxxxxx. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. PP Letter with tracking number - Due Diligence Vendor-06/17/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-06/05/2025 |  | Resolved-PPP terms amended to reflect the max PPP percent as 1% over the first 5 years which is allowable for xxxxxx. - Due Diligence Vendor-06/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.51 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.16 Years |  | Full Review837385_xxxxxx_6_17_2025_53546_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838426 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837114 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-08 14:07 | 2025-06-20 12:14 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved- Initial LE package dated within 3 day requirement provided.- Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued xxxxxx - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. \*\*\*Documents in the file indicate the Application Date is xxxxxx. The earlies issued LE in the file was issued xxxxxx. Lender to provide a copy of the initial package to include Initial LE, initial disclosures issued within 3 business days of the application date along with any other revised LEs and applicable COCs. - Due Diligence Vendor-06/08/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved- Initial LE package dated within 3 day requirement provided.- Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | INITIAL DISCLOSURE PACKAGE.pdf<br>INITIAL DISCLOSURE PACKAGE - 2025-06-17T104645.816.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-06 13:05 | 2025-06-20 07:37 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 <br> Counter- - Due Diligence Vendor-06/20/2025 <br> Counter- - Due Diligence Vendor-06/20/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued xxxxxx - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-06/06/2025 |  | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-08 14:07 | 2025-06-20 07:37 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued 3/21/2025 - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,320.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,403.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Documents in the file indicate the Application Date is xxxxxx. The earlies issued LE in the file was issued xxxxxx. Lender to provide a copy of the initial package to include Initial LE, initial disclosures issued within 3 business days of the application date along with any other revised LEs and applicable COCs. - Due Diligence Vendor-06/08/2025 |  | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-08 14:07 | 2025-06-20 07:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued 3/21/2025 - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Documents in the file indicate the Application Date is xxxxxx. The earlies issued LE in the file was issued xxxxxx. Lender to provide a copy of the initial package to include Initial LE, initial disclosures issued within 3 business days of the application date along with any other revised LEs and applicable COCs. - Due Diligence Vendor-06/08/2025 |  | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-08 14:07 | 2025-06-20 07:37 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Counter-Documentation provided for review indicates an application date of xxxxxx (lender CE report/Fraud report). Initial Disclosures are dated xxxxxx. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued xxxxxx - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Documents in the file indicate the Application Date is xxxxxx. The earlies issued LE in the file was issued xxxxxx. Lender to provide a copy of the initial package to include Initial LE, initial disclosures issued within 3 business days of the application date along with any other revised LEs and applicable COCs. - Due Diligence Vendor-06/08/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | INITIAL DISCLOSURE PACKAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-08 14:07 | 2025-06-20 07:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued xxxxxx - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $9,625.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Documents in the file indicate the Application Date is xxxxxx. The earlies issued LE in the file was issued xxxxxx. Lender to provide a copy of the initial package to include Initial LE, initial disclosures issued within 3 business days of the application date along with any other revised LEs and applicable COCs. - Due Diligence Vendor-06/08/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | INITIAL DISCLOSURE PACKAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-08 14:07 | 2025-06-20 07:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued xxxxxx - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,421.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*Documents in the file indicate the Application Date is xxxxxx. The earlies issued LE in the file was issued xxxxxx. Lender to provide a copy of the initial package to include Initial LE, initial disclosures issued within 3 business days of the application date along with any other revised LEs and applicable COCs. - Due Diligence Vendor-06/08/2025 |  | Resolved-Initial Disclosure Package including ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-08 14:07 | 2025-06-20 07:34 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Initial Disclosure package dated xxxxxx provided - Due Diligence Vendor-06/20/2025 <br> Counter-\*\*\*Still pending lender explanation in relation to application date discrepancy in the original file and confirmation of true application date with supporting documentation. - Due Diligence Vendor-06/18/2025 <br> Counter-Documentation provided (pg 564) indicates an application date of xxxxxx with initial disclosure date of xxxxxx. Please provide complete Initial Disclosure Package issued xxxxxx - Due Diligence Vendor-06/13/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. \*\*\*Documents in the file indicate the Application Date is xxxxxx. The earlies issued LE in the file was issued xxxxxx. Lender to provide a copy of the initial package to include Initial LE, initial disclosures issued within 3 business days of the application date along with any other revised LEs and applicable COCs. - Due Diligence Vendor-06/08/2025 |  | Resolved-Initial Disclosure package dated xxxxxx provided - Due Diligence Vendor-06/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 09:55 | 2025-06-06 23:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 80% exceeds Guideline LTV of 75% Exception required for 80% LTV, maximum LTV for borrower living rent free is 75% (original lender exception was for 85%) - Due Diligence Vendor-06/05/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception required for 80% LTV, maximum LTV for borrower living rent free is 75% (original lender exception was for 85%) - Due Diligence Vendor-06/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Low DTI of 35.092% <br> 2. Post closing reserves of 8.57 months. <br> 3. FICO of 717 is 77 points higher than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 09:56 | 2025-06-06 23:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Exception for >200% payment shock. Payment shock is 408% - Due Diligence Vendor-06/05/2025 |  | Waived-Exception for >200% payment shock. Payment shock is 408% - Due Diligence Vendor-06/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Low DTI of 35.092% <br> 2. Post closing reserves of 8.57 months. <br> 3. FICO of 717 is 77 points higher than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 09:57 | 2025-06-06 23:17 | Waived | 2 - Non-Material B | Credit | Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived- Finding waived with comp factors. Exception to use co-borrower's income. Co-borrower is only 2 months old in his current position. No 2 years history of doing same line of work - Due Diligence Vendor-06/05/2025 |  | Waived-Exception to use co-borrower's income. Co-borrower is only 2 months old in his current position. No 2 years history of doing same line of work - Due Diligence Vendor-06/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Low DTI of 35.092% <br> 2. Post closing reserves of 8.57 months. <br> 3. FICO of 717 is 77 points higher than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840193 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 09:58 | 2025-06-06 23:17 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived- Finding waived with comp factors. Exception to use VOR. Borrower is unable to provide 24 months proof of rental payments such as bank statements, cancelled checks or copy of money order. - Due Diligence Vendor-06/05/2025 |  | Waived-Exception to use VOR. Borrower is unable to provide 24 months proof of rental payments such as bank statements, cancelled checks or copy of money order. - Due Diligence Vendor-06/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Low DTI of 35.092% <br> 2. Post closing reserves of 8.57 months. <br> 3. FICO of 717 is 77 points higher than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840191 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-09 08:50 | 2025-07-15 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Proof of Collections Debt Being paid off Via cashier checks was provided. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Missing verification of collection payoff of xxxxxx iao $xxxxxx (page 226). Lender guidelines show that for ITIN product, all collections must be paid. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-Proof of Collections Debt Being paid off Via cashier checks was provided. - Due Diligence Vendor-07/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 541 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years |  | 2025-07-14T21_31_09-xxxxxx-Shipping-Label_xxxxxx.pdf<br> xxxxxx Ck 10245.pdf<br> Cover Letter xxxxxx.doc | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840191 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 15:52 | 2025-06-09 08:40 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived- Finding waived with comp factors. Exception approval is required to use w-7 in lieu of ITIN letter - Due Diligence Vendor-06/05/2025 |  | Waived-Exception approval is required to use w-7 in lieu of ITIN letter - Due Diligence Vendor-06/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 541 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years | \* Residual income of $12,748.80.<br> \* Payment shock of 89.412%<br> \* Debt ratio of 14.918%.<br> \* Borrower exceeds minimum credit score requirement by at least 59 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840191 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 15:53 | 2025-06-09 08:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived- Finding waived with comp factors. Exception approval is required on not having us id or driver license. Passport, xxxxxx driver license and Consular ID are in file. - Due Diligence Vendor-06/05/2025 |  | Waived-Exception approval is required on not having us id or driver license. Passport, xxxxxx driver license and Consular ID are in file. - Due Diligence Vendor-06/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 541 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years | \* Residual income of $12,748.80.<br> \* Payment shock of 89.412%<br> \* Debt ratio of 14.918%.<br> \* Borrower exceeds minimum credit score requirement by at least 59 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840191 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 15:54 | 2025-06-09 08:39 | Resolved | 1 - Information B A | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Resolved-Finding resolved. Final reviewed assets support > 9 months reserves which exceeds the guideline requirement of 8 months. - Due Diligence Vendor-08/21/2025<br> Waived- Finding waived with comp factors. Exception approval is required for 6 months reserves. Per guideline, LTV that is more than 75% requires 8 months' worth of reserves - Due Diligence Vendor-06/05/2025 |  | Resolved-Finding resolved. Final reviewed assets support > 9 months reserves which exceeds the guideline requirement of 8 months. - Due Diligence Vendor-08/21/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 541 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years | \* Residual income of $12,748.80.<br> \* Payment shock of 89.412%<br> \* Debt ratio of 14.918%.<br> \* Borrower exceeds minimum credit score requirement by at least 59 point |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840191 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 15:55 | 2025-06-09 08:39 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived- Finding waived with comp factors. Exception approval is required on paying cash on rental payments for primary residence. Per guideline, 12 months payment history must be<br> documented using cancelled checks or rental statements including payment history - Due Diligence Vendor-06/05/2025 |  | Waived-Exception approval is required on paying cash on rental payments for primary residence. Per guideline, 12 months payment history must be<br> documented using cancelled checks or rental statements including payment history - Due Diligence Vendor-06/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 541 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years | \* Residual income of $12,748.80.<br> \* Payment shock of 89.412%<br> \* Debt ratio of 14.918%.<br> \* Borrower exceeds minimum credit score requirement by at least 59 point |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837547 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-09 19:51 | 2025-06-17 22:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance. | Waived- Finding waived with comp factors. Client granted exception to allow for use of appraised value vs purchase price plus documented improvements. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. See attached exception approval - Due Diligence Vendor-06/18/2025 <br> Open-Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Home purchased less than 12 months ago. Request to use appraised value as opposed to purchase price plus documented improvements. - Due Diligence Vendor-06/09/2025 |  | Waived-Client granted exception to allow for use of appraised value vs purchase price plus documented improvements. - Due Diligence Vendor-06/18/2025 | Investment Property DSCR Exceeds 1.15 - - Qualifying DSCR is 1.19<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.3 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 10 points > minimum required<br> DSCR > 1.15 | Full Review837547_xxxxxx_6_12_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 838830 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837227 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837191 | xxxxxx | D A | Closed | xxxxxx | 2025-06-09 13:41 | 2025-06-17 22:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached Signed Personal Guaranty. <br> - Due Diligence Vendor-06/18/2025 <br> Open-Personal Guaranty is missing. - Due Diligence Vendor-06/09/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-06/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.41 Years |  | Full Review837191_xxxxxx_6_12_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838818 | xxxxxx | C A | Closed | xxxxxx | 2025-06-11 11:41 | 2025-06-16 16:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. title with correct proposed insured - Buyer-06/16/2025 <br> Open-Property Title Issue Prelim title reflects xxxxxx as proposed insured amount however Note reflects xxxxxx final loan amount. - Due Diligence Vendor-06/11/2025 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-06/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Signed Commitment.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838818 | xxxxxx | C A | Closed | xxxxxx | 2025-06-11 11:50 | 2025-06-13 14:22 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. hazard ins is covered my HOA see attached master - Buyer-06/11/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx, no RCE provided. - Due Diligence Vendor-06/11/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/13/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | master policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838184 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838109 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838315 | xxxxxx | C A | Closed | xxxxxx | 2025-06-11 11:06 | 2025-06-17 23:43 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Most current borrower paystub is through 02/23/25 and borrower has been there since xxxxxx so 30 days of pay is reflective in the YTD total. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached paystub. - Due Diligence Vendor-06/18/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided . As per G/L , The borrower's most recent paystubs reflecting 30 days of pay and YTD earnings, is required . - Due Diligence Vendor-06/11/2025 |  | Resolved-Most current borrower paystub is through 02/23/25 and borrower has been there since xxxxxx so 30 days of pay is reflective in the YTD total. - Due Diligence Vendor-06/18/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | Full Review838315_xxxxxx_6_13_2025_51448_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838243 | xxxxxx | C A | Closed | xxxxxx | 2025-06-12 10:18 | 2025-06-16 12:33 | Resolved | 1 - Information C A | Credit | Borrower | Red Flag Variances are not properly addressed in the file | Resolved-MERS MINs identified: xxxxxx has been inactive since xxxxxx - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-xxxxxx in file under doc pg #88 states that: xxxxxx - The Subject Property may be associated<br> with 1 Active Loan(s) within the MERS system that were closed within 3 months prior to the loan application date on this refinance transaction. MERS MINs identified: xxxxxx. Lender cleared with "experienced investor", but did not provide supporting documentation that this actual MERS is not attached to are property as it states. Lender to provide this lien is not valid as it states this is attached to subject and not another property owned by borrower. (Lien per MERS is new and may not relfect yet on title or credit) - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-MERS MINs identified: xxxxxx has been inactive since xxxxxx - Due Diligence Vendor-06/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | REBUTTAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838682 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838625 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-12 11:40 | 2025-06-15 12:34 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Rate Lock provided - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/12/2025 <br> Open-Once rate lock is received TPR will have to verify is DSCR meets guides or not. Lender verified DSCR is 1.19 and TPR DSCR verified is .94 (Lender used $2130.00 / pg #296 for full PITIA on the subject. TPR verified $2674.00) - Due Diligence Vendor-06/12/2025 |  | Resolved-Rate Lock provided - Due Diligence Vendor-06/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx lock.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838625 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-12 11:30 | 2025-06-12 15:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. lock - Buyer-06/12/2025 <br> Open-Lender to provide rate lock to ensure loan was locked under the DSCR program .75-.99. TPR verified a DSCR under 1.00. TPR reviewed lender DSCR calc worksheet and they did not use the full PITA to qualify. They used a lesser amount of $2130.00 vs verified $2674 (Loan does not qualify for cash out with DSCR less than 1.00 on a cash out with a 680 core. No cash out allowed on a DSCR less than 1.00 per Lead+ matrix dated xxxxxx - Due Diligence Vendor-06/12/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx - Due Diligence Vendor-06/12/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx lock.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838616 | xxxxxx | C A | Closed | xxxxxx | 2025-06-12 12:15 | 2025-06-16 08:11 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. final cd from other file closed - Buyer-06/12/2025 <br> Open-Total Liquid Assets Available for Close of $6817.01 is less than Total Cash to Close $46418.89. Asset statement under doc pg #742 reflects available balance on Acct xxxxxx on 5/01/2025 is $555.58. 1008 under doc pg #747 states lender verified $161k from business account under doc pg #956 statement from 3/31/2025. Lender used outdated statement for assets as current transaction/balance is in file. Lender to provide supporting documentation of liquid assets in the amount no less than $46418.89 for funds to close and reserves required - Due Diligence Vendor-06/12/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx final cd.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838414 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 15:59 | 2025-06-18 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. complete 12 months business bank statements ... see may 2025 page 1 - Buyer-06/16/2025 <br> Counter-Missing the required xxxxxx (xxxxxx) from the loan file supporting available assets of $52,310.36 - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. final 1003 to show updated assets with xxxxxx through May as previous were through April... - Buyer-06/16/2025 <br> Open-File missing xxxxxx (xxxxxx) last statement to verify F1003 Asset1 $62,891.13. - Due Diligence Vendor-06/13/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-06/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.08 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years |  | xxxxxx 1003.pdf<br> 12 months business bank statements.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838933 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-13 15:16 | 2025-06-18 23:55 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Borrower DL provided. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. 6/18/25 - please see DL - Due Diligence Vendor-06/19/2025 <br> Open-Document from title (closing) confirming borrowers are who they said they were is missing for these. - Due Diligence Vendor-06/17/2025 <br> Open-Borrower Proof of document is Missing - Due Diligence Vendor-06/13/2025 |  | Resolved-Borrower DL provided. - Due Diligence Vendor-06/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review838933_xxxxxx_6_18_2025_60733_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838933 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-13 16:43 | 2025-06-18 23:55 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-IEAD provided. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-6/18/25 - please see IEAD. - Due Diligence Vendor-06/19/2025 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-06/13/2025 |  | Resolved-IEAD provided. - Due Diligence Vendor-06/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838933 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-13 16:43 | 2025-06-17 23:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Rate lock provided. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. 6/16/25 - please see attached - Due Diligence Vendor-06/18/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/13/2025 |  | Resolved-Rate lock provided. - Due Diligence Vendor-06/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review838933_xxxxxx_6_16_2025_10510_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837498 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840207 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 23:05 | 2025-08-07 23:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client waived with comp factors present. Appraisal transfer report is dated 50 days from submission. Guidelines permit a max of 45 days aged for transferred appraisal. <br> - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with comp factors present. Appraisal transfer report is dated 50 days from submission. Guidelines permit a max of 45 days aged for transferred appraisal. <br> - Due Diligence Vendor-08/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.21 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | - Min FICO required is 660 while current FICO is 761 <br> - Reserves of 24 months while min required is of 4 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840207 | xxxxxx | B A | Closed | xxxxxx | 2025-06-13 09:58 | 2025-06-14 15:25 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal Completed "Subject to but Improvements are Incomplete or Undocumented" | Waived-Waived with compensating factors. Appraisal transfer report is valuation is "subject to Completion" for xxxxxx to receive "as is" valuation. - Due Diligence Vendor-08/08/2025 |  | Waived-Waived with compensating factors. Appraisal transfer report is valuation is "subject to Completion" for xxxxxx to receive "as is" valuation. - Due Diligence Vendor-08/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.21 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | - Min FICO required is 660 while current FICO is 761 <br> - Reserves of 24 months while min required is of 4 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840196 | xxxxxx | B A | Closed | xxxxxx | 2025-06-13 17:41 | 2025-06-13 17:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Finding waived with comp factors. Exception to allow using the lease agreement of $6,500 which is more than 120% of the market rent ($4250). 2 months' proof of payment is in file. Lease will start on xxxxxx - Due Diligence Vendor-06/13/2025 |  | Waived-Exception to allow using the lease agreement of $6,500 which is more than 120% of the market rent ($4250). 2 months' proof of payment is in file. Lease will start on xxxxxx - Due Diligence Vendor-06/13/2025 | Experienced real estate investor - Borrower owns Six (6) REO investment properties<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves exceed minimum required by 17.35 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 839436 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 839899 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838154 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837821 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 09:09 | 2025-06-23 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Please see operating agreement - Buyer-06/23/2025 <br> Ready for Review-Document Uploaded. Please see operating agreement - Due Diligence Vendor-06/23/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN EIN Document, Good Standing, Formation Agreement, Business Entity Registration is missing.<br> - Due Diligence Vendor-06/13/2025 |  | Resolved-Entity documents provided. - Due Diligence Vendor-06/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review837821_xxxxxx_6_20_2025_91228_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839357 | xxxxxx | B A | Closed | xxxxxx | 2025-06-17 08:46 | 2025-06-17 08:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Housing History Does Not Meet Guideline Requirements Allow VOM without most recent 6 months cancelled checks - Due Diligence Vendor-06/17/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Allow VOM without most recent 6 months cancelled checks - Due Diligence Vendor-06/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 175.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed requirement by 10 months or more, Experienced investor owns and manages 10 or more properties for 12 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840189 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-18 15:22 | 2025-07-18 15:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client approved exception with compensating factors. Exception approved for property being located in xxxxxx classification. - Due Diligence Vendor-07/18/2025 |  | Waived-Client approved exception with compensating factors. Exception approved for property being located in xxxxxx classification. - Due Diligence Vendor-07/18/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years | FICO SCORE IS MORE THAN MIN REQUIRED OF 660. RESERVES OF 11 MONTHS. HOUSING RATING 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840189 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-16 12:07 | 2025-07-09 12:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived- Finding waived with comp factors. Approved Lender Exception: EXCEPTION FOR NOT MEETING 2 OPEN TRADE LINES REPORTING FOR 12+ MONTHS OR 1 OPEN TRADELINE IN THE LAST 24+ MONTHS WITH ACTIVITY IN THE LAST 12 MONTHS. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Counter-The Signed Approved exception form does not address the "Tradelines do not meet guidelines " Guidelines state: 2 open tradelines reporting for 12+ months with activity in last 12 months or 1 open tradeline reporting for 24+ months with activity in last 12 months. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-signed exception provided - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Counter-Please reload, unable to notice any difference between the 6/20 and 6/26 exception form upload - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Counter-The Exception form is E-signed however its "Not Dated". Please see screenshot that was uploaded. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Our system does not date stamp - Seller-06/24/2025 <br> Counter-Document Uploaded. The Electronic signature does not reflect a date when it was electronically signed - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Exception for signed and dated via electronic signature - Seller-06/20/2025 <br> Counter-Document Uploaded. Missing "Dated" Approved Exception form - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-Borrower has an open mortgage for 19 months and a possible open charge account with no activity sense 2017. Guidelines state: 2 open tradelines reporting for 12+ months with activity in last 12 months or 1 open tradeline reporting for 24+ months with activity in last 12 months. Tradelines do not meet guidelines. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Ready for Review-Our system does not date stamp - Seller-06/24/2025 <br>Ready for Review-Document Uploaded. Exception for signed and dated via electronic signature - Seller-06/20/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Waived-Approved Lender Exception: EXCEPTION FOR NOT MEETING 2 OPEN TRADE LINES REPORTING FOR 12+ MONTHS OR 1 OPEN TRADELINE IN THE LAST 24+ MONTHS WITH ACTIVITY IN THE LAST 12 MONTHS. - Due Diligence Vendor-07/09/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years | FICO 21 points higher than minimum<br> Reserves of 11 months<br> Housing rating 0x30x12 | EXCEPTION FORM.pdf<br> Screenshot 2025-06-18 132338.jpg<br> EXCEPTION FORM.pdf<br> Screenshot 2025-06-23 125410.jpg<br> EXCEPTION FORM - xxxxxx.pdf<br> EXCEPTION FORM - xxxxxx.pdf<br> Guideline Exception Form - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 840189 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-14 09:34 | 2025-06-16 12:13 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Missing | Waived- Finding waived with comp factors. BORROWER IS NOT ABLE TO PROVIDE COMPLETE ITIN LETTER (MISSING PAGE 2) - Due Diligence Vendor-06/14/2025 |  | Waived-BORROWER IS NOT ABLE TO PROVIDE COMPLETE ITIN LETTER (MISSING PAGE 2) - Due Diligence Vendor-06/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years | FICO SCORE IS 21 POINTS MORE THAN MIN REQUIRED OF 660. RESERVES OF 11 MONTHS. HOUSING RATING 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840189 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-14 09:36 | 2025-06-16 12:12 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived- Finding waived with comp factors. EXCEPTION TO USE THREE BUSINESS BANK ACCOUNTS FOR INCOME QUALIFICATION. - Due Diligence Vendor-06/14/2025 |  | Waived-EXCEPTION TO USE THREE BUSINESS BANK ACCOUNTS FOR INCOME QUALIFICATION. - Due Diligence Vendor-06/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years | FICO SCORE IS 21 POINTS MORE THAN MIN REQUIRED OF 660. RESERVES OF 11 MONTHS. HOUSING RATING 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840189 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-14 09:43 | 2025-06-16 12:12 | Waived | 2 - Non-Material B | Credit | Income | Potential Employment/income Issues identified in the file | Waived- Finding waived with comp factors. EXCEPTION REQUIRED ON 50% OWNERSHIP PERCENTAGE ON xxxxxx - Due Diligence Vendor-06/14/2025 |  | Waived-EXCEPTION REQUIRED ON 50% OWNERSHIP PERCENTAGE ON xxxxxx - Due Diligence Vendor-06/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years | FICO SCORE IS 21 POINTS MORE THAN MIN REQUIRED OF 660. RESERVES OF 11 MONTHS. HOUSING RATING 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840189 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-14 09:37 | 2025-06-16 12:12 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived- Finding waived with comp factors. BORROWER NOT ABLE TO PROVIDE AN UNEXPIRED PASSPORT and EXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE xxxxxx - Due Diligence Vendor-06/14/2025 |  | Waived-BORROWER NOT ABLE TO PROVIDE AN UNEXPIRED PASSPORT and EXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE xxxxxx - Due Diligence Vendor-06/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years | FICO SCORE IS 21 POINTS MORE THAN MIN REQUIRED OF 660. RESERVES OF 11 MONTHS. HOUSING RATING 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840189 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-16 12:12 | 2025-06-16 12:12 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived- Finding waived with comp factors. EXCEPTION TO USE HIGHER INCOME ON P&L FROM INITIAL DISCLOSED LOAN APPLICATION UNDER DISCLOSED – ($648.92) VS. P&L $4457.95 - Due Diligence Vendor-06/16/2025 |  | Waived-EXCEPTION TO USE HIGHER INCOME ON P&L FROM INITIAL DISCLOSED LOAN APPLICATION UNDER DISCLOSED – ($648.92) VS. P&L $4457.95 - Due Diligence Vendor-06/16/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years | FICO SCORE IS 21 POINTS MORE THAN MIN REQUIRED OF 660. RESERVES OF 11 MONTHS. HOUSING RATING 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840205 | xxxxxx | B A | Closed | xxxxxx | 2025-06-16 04:48 | 2025-06-16 04:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Missing an established escrow impound account for taxes and insurance | Waived-Waived with compensating factors; Exception granted for missing required escrow tax and insurance impounds.- Due Diligence Vendor-06/16/2025 |  | Waived-Waived with compensating factors; Exception granted for missing required escrow tax and insurance impounds.- Due Diligence Vendor-06/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 81 months reserves for cash out proceeds <br> FICO 754 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 838656 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-17 14:30 | 2025-08-08 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Document Uploaded. - Due Diligence Vendor-06/23/2025 <br> Resolved-Audited Reserves of 14.42 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Assets <br> - Due Diligence Vendor-06/23/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 Provide additional funds to close. - Due Diligence Vendor-06/17/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-06/23/2025 <br>Resolved-Audited Reserves of 14.42 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review838656_xxxxxx_6_20_2025_105204_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838656 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-17 14:29 | 2025-06-23 15:44 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Assets <br> - Due Diligence Vendor-06/23/2025 <br> Open-Total Liquid Assets Available for Close of $227317.20 is less than Total Cash to Close $653632.2. - Due Diligence Vendor-06/17/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838656 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-17 14:32 | 2025-06-17 14:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waived with compensating factors; Exception granted for borrower not meeting housing history documentation. Borrower currently living rent free Borr has no current primary housing history and is living rent free with mother - Due Diligence Vendor-08/08/2025 |  | Waived-Waived with compensating factors; Exception granted for borrower not meeting housing history documentation. Borrower currently living rent free Borr has no current primary housing history and is living rent free with mother - Due Diligence Vendor-08/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Comp Factors: Has a current mortgage history<br> with rentals and extensive experience with<br> rental properties, 709 Fico<br> Fico 40 pts + over minimum, 75% LTV, 0x30<br> mtg history, extensive experience with rental<br> properties |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 829106 | xxxxxx | C A | Closed | xxxxxx | 2025-06-17 02:01 | 2025-06-23 12:19 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Final Inspection - Buyer-06/20/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not in the file. - Due Diligence Vendor-06/17/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.09% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 259.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx final inspection.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837658 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 838031 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-17 11:55 | 2025-06-23 16:31 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-QCD provided that showed the vesting to match. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please see attached Quit Claim Deed. - Due Diligence Vendor-06/23/2025 <br> Open-Property Title Issue Loan file is cash out refinance, note, Dot vesting is showing " xxxxxx And xxxxxx" , However the Current title vesting is showing "xxxxxx, an xxxxxx". - Due Diligence Vendor-06/17/2025 |  | Resolved-QCD provided that showed the vesting to match. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review_Comments_838031_xxxxxx_6_20_2025_61933_PM.csv<br> Full Review838031_xxxxxx_6_20_2025_61933_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838031 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-17 12:59 | 2025-06-17 12:59 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Finding waived with comp factors. loans below 150k require DSCR 1.25 or more. - Due Diligence Vendor-06/17/2025 |  | Waived-loans below 150k require DSCR 1.25 or more. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 20 points > minimum required<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839377 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839349 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838393 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838542 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-19 08:10 | 2025-06-23 16:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Client provided guideline exception. Exception approved for borrower not meeting housing history requirements. Borrower lives rent-free with spouse. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. See attached exception approval - Due Diligence Vendor-06/23/2025 <br> Open-Allow borrower living rent free with spouse. Credit Score 30+ points > minimum required. - Due Diligence Vendor-06/19/2025 |  | Waived-Client provided guideline exception. Exception approved for borrower not meeting housing history requirements. Borrower lives rent-free with spouse. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Experienced investor owns and manages 2 or more propertiesfor 12 months;<br> Credit Score 30+ points > minimum required; | Full Review838542_xxxxxx_6_23_2025_114117_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837989 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839862 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839784 | xxxxxx | B A | Closed | xxxxxx | 2025-06-19 08:46 | 2025-06-19 08:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Waived with compensating factors. Audited FICO of 677 is less than Guideline FICO of 700, Exception granted for not meeting 1st time investor requirements of 700 FICO score. - Due Diligence Vendor-06/19/2025 |  | Waived-Waived with compensating factors. Audited FICO of 677 is less than Guideline FICO of 700, Exception granted for not meeting 1st time investor requirements of 700 FICO score. - Due Diligence Vendor-06/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.25 - Verified DSCR of 1.258 exceeds 1.25 and demonstrates strong cash flow. | Reserves exceed requirement by 6 months or more. DSCR > 1.15. 9 mos reserves from borrower's own funds, DSCR ratio 1.2%. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 838607 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-19 10:47 | 2025-06-25 23:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided for B2 primary residence - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached Mortgage Statement. <br> - Due Diligence Vendor-06/26/2025 <br> Open-Mortgage statement is missing for B2's primary residence xxxxxx, account with xxxxxx mtg. - Due Diligence Vendor-06/19/2025 |  | Resolved-Mortgage statement provided for B2 primary residence - Due Diligence Vendor-06/26/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review838607_xxxxxx_6_25_2025_112046_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838607 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-18 16:45 | 2025-06-19 10:39 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Finding waived with comp factors. Allow first time investor with a DSCR less than 1.00 (.95) - Due Diligence Vendor-06/18/2025 |  | Waived-Allow first time investor with a DSCR less than 1.00 (.95) - Due Diligence Vendor-06/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838531 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-19 11:36 | 2025-06-25 23:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Client provided guideline exception. Exception approved for borrower not meeting housing history requirements. Borrower lives rent-free with spouse. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see attached Client Waiver / Granted Exception. All Exception parameters met. <br> - Due Diligence Vendor-06/26/2025 <br> Open-Allow borrower living rent free with spouse - Due Diligence Vendor-06/19/2025 |  | Waived-Client provided guideline exception. Exception approved for borrower not meeting housing history requirements. Borrower lives rent-free with spouse. - Due Diligence Vendor-08/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | experienced investor owns and manages 2 or more properties for 12 month;<br> Credit Score 30+ points > minimum required;<br> 0x30x24 mtg history on oreo; | Full Review838531_xxxxxx_6_25_2025_110252_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 838434 | xxxxxx | C A | Closed | xxxxxx | 2025-06-19 06:48 | 2025-06-23 16:18 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-PPP rider provided. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please see attached Prepayment addendum to the Note. - Due Diligence Vendor-06/23/2025 <br> Open-Provide Pre-Payment Penalty Documents along with note document. However At time of review its missing in loan package and this information is available in the Final Cd and Rider also presented with DOT. - Due Diligence Vendor-06/19/2025 |  | Resolved-PPP rider provided. - Due Diligence Vendor-06/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.09 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review838434_xxxxxx_6_20_2025_55958_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840357 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 837992 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839806 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838554 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841834 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-20 10:33 | 2025-07-17 12:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.65% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Counter-Please resend updated or revised exception for DTI exception. Exception form provided with 2 exceptions had already been provided. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Audited DTI of 63.09% exceeds Guideline DTI of 50% Missing evidence that xxxxxx (page 580) is paid off or property sold. Page 133 shows borrower making mortgage payments, Property report page 570 shows in borrower's name. (xxxxxx passed away in xxxxxx who was co-owner on property and who's name is on mortgage statement, however debt shows on borrower's credit report and she has LOE about late pays in file) - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Audited DTI of 47.65% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/17/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.65 Years |  | EXCEPTION FORM.pdf<br> D189005830.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841834 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-19 17:14 | 2025-06-30 07:35 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/20/2025 <br> Open-Missing Initial Closing Disclosure - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/30/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.65 Years |  | VERIFICATION OF RECEIPT OF CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841834 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-19 10:58 | 2025-06-20 10:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Exception required for not meeting forbearance seasoning requirement. Borrower had forbearance in xxxxxx - Due Diligence Vendor-06/19/2025 |  | Waived-Exception required for not meeting forbearance seasoning requirement. Borrower had forbearance in xxxxxx - Due Diligence Vendor-06/19/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.65 Years | 1. Low LTV of 50%. <br> 2. Borrower is employed for more than 25 years on the same employer |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841834 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-19 10:56 | 2025-06-20 10:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Finding waived with comp factors. Exception for 619 score does not meet the minimum requirement of 640. - Due Diligence Vendor-06/19/2025 |  | Waived-Exception for 619 score does not meet the minimum requirement of 640. - Due Diligence Vendor-06/19/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.65 Years | 1. Low LTV of 50%. <br> 2. Borrower is employed for more than 25 years on the same employer |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839688 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838953 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838948 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840746 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839696 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839565 | xxxxxx | B A | Closed | xxxxxx | 2025-06-24 06:50 | 2025-08-07 22:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived- Finding waived with comp factors. Exception for less than 500 square feet. xxxxxx - Due Diligence Vendor-06/24/2025 |  | Waived-Exception for less than 500 square feet. xxxxxx - Due Diligence Vendor-06/24/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years | Reserves exceed requirement by 10 months or more<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839565 | xxxxxx | B A | Closed | xxxxxx | 2025-06-24 10:03 | 2025-08-07 22:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived- Finding waived with comp factors. Client waived with compensating factors. Property does not meet minimum requirements. Exception granted for subject having xxxxxx due to being a xxxxxx. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with compensating factors. Property does not meet minimum requirements. Exception granted for subject having xxxxxx due to being a xxxxxx. - Due Diligence Vendor-08/08/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years | Reserves exceed requirement by 10 months or more<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839565 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 22:49 | 2025-08-07 22:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived- Finding waived with comp factors. Condo project does not meet guidelines. Client waived with comp factors present. Exception approved for condo project Investor Concentration exceeding 60% - currently at 64%<br> - Due Diligence Vendor-08/08/2025 |  | Waived-Condo project does not meet guidelines. Client waived with comp factors present. Exception approved for condo project Investor Concentration exceeding 60% - currently at 64%<br> - Due Diligence Vendor-08/08/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years | Reserves exceed requirement by 10 months or more<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839383 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839327 | xxxxxx | D A | Closed | xxxxxx | 2025-06-23 17:40 | 2025-07-01 16:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Rate lock provided. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/01/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/23/2025 |  | Resolved-Rate lock provided. - Due Diligence Vendor-07/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review839327_xxxxxx_xxxxxx_6_27_2025_114502_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838837 | xxxxxx | D A | Closed | xxxxxx | 2025-06-23 15:47 | 2025-07-02 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. See xxxxxx bank statement - Due Diligence Vendor-07/01/2025 <br> Open-Asset 3 Missing Provide xxxxxx to support $63,346.92 as submitted for approval as it was not provided at the time of review. - Due Diligence Vendor-06/23/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.16 Years |  | Full Review838837_xxxxxx_xxxxxx_6_27_2025_103416_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838581 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840214 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839381 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-23 13:52 | 2025-07-01 18:03 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details provided, data entered, no additional compliance findings. - Due Diligence Vendor-07/01/2025 <br> Resolved- - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. See attached COC and PCCD - Due Diligence Vendor-07/01/2025 <br> Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $1495.47. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $1495.47 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/24/2025 |  | Resolved-COC event details provided, data entered, no additional compliance findings. - Due Diligence Vendor-07/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.12% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - - Allow 85% LTV for Non-Arm's length transaction (max is 80%) Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | Full Review839381_xxxxxx_xxxxxx_6_27_2025_13046_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839381 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-24 14:03 | 2025-06-24 14:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 85% exceeds Guideline LTV of 80% - Allow 85% LTV for Non-Arm's length transaction (max is 80%) - Due Diligence Vendor-06/24/2025 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% - Allow 85% LTV for Non-Arm's length transaction (max is 80%) - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.12% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - - Allow 85% LTV for Non-Arm's length transaction (max is 80%) Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834902 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-24 09:13 | 2025-07-08 14:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Finding waived with comp factors. Audited FICO of 691 is less than Guideline FICO of 700 Exception for fico 691 (min required fico 700 w/ max CLTV 65%) - Due Diligence Vendor-06/24/2025 |  | Waived-Audited FICO of 691 is less than Guideline FICO of 700 Exception for fico 691 (min required fico 700 w/ max CLTV 65%) - Due Diligence Vendor-07/08/2025 <br>Waived-Audited FICO of 691 is less than Guideline FICO of 700 Exception for fico 691 (min required fico 700 w/ max CLTV 65%) - Due Diligence Vendor-06/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.81 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.26% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834902 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-24 09:09 | 2025-07-03 12:42 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided and shows value supports the original appraised value within a -10.0% tolerance (0.00%) - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-07/03/2025 <br>Open-Missing secondary appraisal product as required per guidelines. - Due Diligence Vendor-06/24/2025 |  | Resolved-Desk review provided and shows value supports the original appraised value within a -10.0% tolerance (0.00%) - Due Diligence Vendor-07/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.26% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |  | Full Review834902_xxxxxx_xxxxxx_7_2_2025_30314_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839396 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838552 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837622 | xxxxxx | D A | Closed | xxxxxx | 2025-06-26 15:50 | 2025-07-18 17:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Property tax statement is now provided for other property. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/18/2025 <br> Counter-Mortgage statement provided shows no escrow. Still in need of the separate tax statement for the property. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached mortgage statement - Due Diligence Vendor-07/16/2025 <br> Counter-Supplement provided ties out PI part of the payment. However, witihout a statement, it is assumed that TIA is separate. Lender used 441.79 for TIA. Hazard shows 157.12/month and HOA shows 183.33/month. No separate tax statement was provided yet to show the delta. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Please see attached Credit Supplement. - Due Diligence Vendor-07/01/2025 <br> Open-Mortgage statement is missing for departing residence xxxxxx. - Due Diligence Vendor-06/26/2025 | Please see attached Taxes, HOI, and HOA for xxxxxx property. - 07/18/2025 <br>| Resolved-Property tax statement is now provided for other property. - Due Diligence Vendor-07/18/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review837622_xxxxxx_xxxxxx_6_27_2025_42951_PM.zip<br> Full Review837622_xxxxxx_xxxxxx_7_15_2025_24632_PM.zip<br> Full Review837622_xxxxxx_xxxxxx_7_18_2025_42520_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837622 | xxxxxx | D A | Closed | xxxxxx | 2025-06-26 15:08 | 2025-07-01 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM provided showing credit monitoring through and after the date of closing. - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. Please see attached GAP Credit report. - Due Diligence Vendor-07/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/26/2025 |  | Resolved-UDM provided showing credit monitoring through and after the date of closing. - Due Diligence Vendor-07/01/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review837622_xxxxxx_xxxxxx_6_30_2025_125007_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837871 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835927 | xxxxxx | D A B | Closed | xxxxxx | 2025-06-26 14:33 | 2025-07-01 14:03 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Open- Missing FCD or Final HUD - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>|  | Experienced real estate investor - Lender exception (CR 163-167) for experienced investor |  | hud signed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835927 | xxxxxx | D A B | Closed | xxxxxx | 2025-06-25 19:08 | 2025-07-01 13:59 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025<br>| Experienced real estate investor - Lender exception (CR 163-167) for experienced investor |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840201 | xxxxxx | B A | Closed | xxxxxx | 2025-06-25 09:19 | 2025-06-25 15:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. EXCEPTION FOR 1X30 MORTGAGE RATING NOT MEETING THE REQUIREMENT OF 0X30 - Due Diligence Vendor-06/25/2025 |  | Waived-EXCEPTION FOR 1X30 MORTGAGE RATING NOT MEETING THE REQUIREMENT OF 0X30 - Due Diligence Vendor-06/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.91 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. Post-closing reserves of 18.29 months, program requires 6 mos. <br> 2. Income is increasing and stable |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839833 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840579 | xxxxxx | D A | Closed | xxxxxx | 2025-06-25 15:53 | 2025-06-27 07:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. attached DOT and all riders - Buyer-06/26/2025 <br> Open-The Deed of Trust is Missing Deed of Trust and all riders missing. - Due Diligence Vendor-06/25/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838553 | xxxxxx | D A | Closed | xxxxxx | 2025-07-01 17:04 | 2025-07-03 12:38 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. 7/2/25 - please see CD - Due Diligence Vendor-07/03/2025 <br> Open-TRID: Missing Final Closing Disclosure Documentation provided is missing Final Closing Disclosure Page 5 of 5. Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/01/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/03/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.18 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review838553_xxxxxx_xxxxxx_7_2_2025_50321_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838553 | xxxxxx | D A | Closed | xxxxxx | 2025-07-01 12:37 | 2025-07-03 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided and goes through and beyond closing. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. 7/2/25 - please see UDN - Due Diligence Vendor-07/03/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/01/2025 |  | Resolved-Gap credit report provided and goes through and beyond closing. - Due Diligence Vendor-07/03/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.18 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review838553_xxxxxx_xxxxxx_7_2_2025_35032_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840249 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-14 11:03 | 2025-07-14 11:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Waived- Finding waived with comp factors. Investor approved pre-close exception for subject non-arm's length transaction with no earnest money deposit present. - Due Diligence Vendor-07/14/2025 |  | Waived-Investor approved pre-close exception for subject non-arm's length transaction with no earnest money deposit present. - Due Diligence Vendor-07/14/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.43 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years | DTI <45% and reserves >40 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840249 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-27 18:16 | 2025-07-08 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.43 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years |  | HOI FINAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840249 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-01 16:12 | 2025-07-08 11:12 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. RCE uploaded - Seller-07/07/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Please provide evidence of sufficient hazard coverage OR satisfactory RCE. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. RCE uploaded - Seller-07/07/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/08/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.43 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840249 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-27 18:17 | 2025-07-01 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing borrower 3rd party VOE prior to close. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/01/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.43 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years |  | SOS SEARCH.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840249 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-27 18:18 | 2025-07-01 16:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.43 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838390 | xxxxxx | D A B | Closed | xxxxxx | 2025-06-30 06:44 | 2025-07-10 22:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See attached HOI - Due Diligence Vendor-07/11/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Dwelling coverage information is not Provided in the Document. - Due Diligence Vendor-06/30/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/11/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review838390_xxxxxx_xxxxxx_7_10_2025_30538_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838390 | xxxxxx | D A B | Closed | xxxxxx | 2025-06-30 10:52 | 2025-07-08 12:45 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. see attached Service Provider List - Due Diligence Vendor-07/08/2025 <br> Open-Service Provider List is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-06/30/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review838390_xxxxxx_xxxxxx_7_3_2025_40641_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838390 | xxxxxx | D A B | Closed | xxxxxx | 2025-06-30 13:42 | 2025-07-08 12:45 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. See attached Home ownership counseling disclosure - Due Diligence Vendor-07/08/2025 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-06/30/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review838390_xxxxxx_xxxxxx_7_3_2025_40543_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838363 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 838739 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839739 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841603 | xxxxxx | C A B | Closed | xxxxxx | 2025-07-02 15:12 | 2025-07-08 12:46 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. See attached LOE - Due Diligence Vendor-07/08/2025 <br> Open-Required Affiliated Business Disclosure Missing \*\*Lender to provide a copy of the Affiliated Business Disclosure and evidence the borrower received within 3 business days of the application date. All affiliated Business Arrangements must be disclosed to the buyer in connection to settlement services. The lender can provide an attestation that it has no affiliates or that their affiliates do not provide settlement services if applicable. - Due Diligence Vendor-07/02/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/08/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review841603_xxxxxx_xxxxxx_7_3_2025_24804_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841603 | xxxxxx | C A B | Closed | xxxxxx | 2025-07-01 16:52 | 2025-07-08 12:25 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-April statement provided and matches the qualification. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. See attached bank stmt - Due Diligence Vendor-07/08/2025 <br> Open- Business Bank statement for xxxxxx for April 2025 reflecting $45,521.81 in deposits and used to qualify is missing from the file. - Due Diligence Vendor-07/01/2025 |  | Resolved-April statement provided and matches the qualification. - Due Diligence Vendor-07/08/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review841603_xxxxxx_xxxxxx_7_3_2025_24942_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838735 | xxxxxx | D A | Closed | xxxxxx | 2025-07-01 12:54 | 2025-07-07 14:05 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/03/2025 <br> Open-Appraisal is Missing Full Appraisal is Missing in fille appraisal updated report located on pg 27 for subject property ar xxxxxx - Due Diligence Vendor-07/01/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-07/07/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840160 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838252 | xxxxxx | C A | Closed | xxxxxx | 2025-07-02 15:33 | 2025-07-10 14:49 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved- - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. please find attached 1008 & pccd - Buyer-07/09/2025 <br> Counter-Document Uploaded. Lenders 1008 states xxxxxx LOAN WITH xxxxxx "TO BE PAID OFF USING $75K PROCEEDS FOR CLOSING OF THIS LOAN". 1008 also states bwr wired $20K on 6/6 to escrow & Final 1003 does reflect that as a EMD however those funds are not being listed on the final CD. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-PITIA for xxxxxx is included in the dti as shown on the URLA and 1008. we did not exclude this from the liabilities. - Buyer-07/03/2025 <br> Open-Per approval/1008 borrower was supposed to pay off $xxxxxxk mortgage. Statement is located under doc pg #330 shows balance owed $xxxxxx. Payoff is missing and supporting documentation that debt was paid off is missing (loan was not pd off on final CD as per lender approval it was supposed to be). Per lox borrower purchased xxxxxx as a xxxxxx. Per lox xxxxxx loan was taken out to build new primary, borrower states only lot was cleared and no construction took place and is now selling the xxxxxx, to ensure subject was not going to be build lender required debt to be paid off. Lender to provide supporting documentation that this debt was paid off (This may affect assets verified once documentation is received) - Due Diligence Vendor-07/02/2025 |  |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.35 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.55% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Screenshot 2025-07-07 133841.jpg<br> Screenshot 2025-07-07 134613.jpg<br> Screenshot 2025-07-07 134636.jpg<br> Screenshot 2025-07-07 134709.jpg<br> xxxxxx 1008 - Transmittal Summary.pdf<br> pccd xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838252 | xxxxxx | C A | Closed | xxxxxx | 2025-07-02 15:46 | 2025-07-10 14:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 13.82 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. here is the 1008 and pccd - Buyer-07/09/2025 <br> Open-Audited Reserves of 11.4 are less than Guideline Required Reserves of 12 Lenders 1008 states verified Assets as $151,332.77 - it also states that the bwr wired $20K on 6/6 to escrow & Final 1003 does reflect that as a EMD however those funds are not being listed on the final CD. Audited total assets $87,832.76 - 12 months reserves required. short reservices by -$3,722.82 - Due Diligence Vendor-07/07/2025 |  | Resolved-Audited Reserves of 13.82 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-07/10/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.35 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.55% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | xxxxxx 1008 - Transmittal Summary.pdf<br> pccd xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840990 | xxxxxx | C A | Closed | xxxxxx | 2025-07-02 14:11 | 2025-07-02 20:14 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 |  | Resolved- - Due Diligence Vendor-07/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.48 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.47 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839765 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 839348 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840767 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834803 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841132 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837973 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 839594 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 09:00 | 2025-07-10 22:46 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-In fraud report within original images, borrower has had prior ownership in last three years to not make borrower first time homebuyer. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Please see Fraud Report which proves borrower has owned property and is not a first time homebuyer - Due Diligence Vendor-07/11/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Borrower is a first time home buyer. There are no prior mortgages reporting on the credit report and borrower is not on the primary housing which is confirmed with LOE for rent free. No documentation of prior residential ownership was provided. Per guidelines, gift funds are not allowed for First time homebuyers. Subject loan shows gift funds utilized. - Due Diligence Vendor-07/07/2025 |  | Resolved-In fraud report within original images, borrower has had prior ownership in last three years to not make borrower first time homebuyer. - Due Diligence Vendor-07/11/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840430 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-02 18:55 | 2025-08-08 09:54 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Income 1 Months Income Verified is Missing . Provide income documentation to evidence wage income of $19,285.50 monthly on a Full doc as shown on the approval. No income documentation was provided at the time of review. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-07/09/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.75% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | Inc - Paystub.pdf<br>Inc - VOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840430 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-02 18:55 | 2025-08-08 09:54 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Income 2 Months Income Verified is Missing . Provide income documentation to evidence bonus income of $2,555.08 monthly on a Full doc as shown on the approval. No income documentation was provided at the time of review. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-07/09/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.75% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | Inc - Paystub.pdf<br>Inc - VOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840430 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-02 18:57 | 2025-07-11 14:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/08/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.75% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840430 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-02 18:54 | 2025-07-08 08:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved- - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-. Provide final closing statement. At the time of review an estimated statement was provided however it was not marked final nor signed or certified as required. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>|  | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.75% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | Borrower Final Statement (27).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840940 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839792 | xxxxxx | C A | Closed | xxxxxx | 2025-07-02 02:32 | 2025-07-09 13:56 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A gap credit report or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. Gap report provided is 15 days. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.47 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.28 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.39% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxxxxx GAP Report.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839792 | xxxxxx | C A | Closed | xxxxxx | 2025-07-02 02:32 | 2025-07-09 13:56 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A gap credit report or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. Gap report provided is 15 days. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.47 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.28 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.39% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxxxxx GAP Report.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840823 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-07 02:23 | 2025-07-16 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-xxxxxx & xxxxxx TRID disclosures, not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 <br> Open-Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. - Due Diligence Vendor-07/07/2025 |  | Resolved-xxxxxx & xxxxxx TRID disclosures, not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-08 08:55 | 2025-07-16 09:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-xxxxxx & xxxxxx TRID disclosures, not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Missing Initial Closing Disclosure . - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-xxxxxx & xxxxxx TRID disclosures, not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years |  | VERIFICATION OF RECEIPT OF CD 1.pdf<br>VERIFICATION OF RECEIPT OF CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-08 13:25 | 2025-07-15 08:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 80% exceeds Guideline LTV of 65% Exception approved to use 80% LTV with guideline max for FTHB is 65%. - Due Diligence Vendor-07/08/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 65% Exception approved to use 80% LTV with guideline max for FTHB is 65%. - Due Diligence Vendor-07/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years | DTI 31.734%.<br> Borrower's business has been existing for more than 10 years<br> 8 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 10:51 | 2025-07-15 08:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Waived with compensating factors; Exception granted for not meeting tradeline requirement of 2 tradelines reporting for 12+ months and active during last 12 months. - Due Diligence Vendor-07/03/2025 |  | Waived-Waived with compensating factors; Exception granted for not meeting tradeline requirement of 2 tradelines reporting for 12+ months and active during last 12 months. - Due Diligence Vendor-07/03/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years | DTI 31.734% with 43% max.<br> Borrower's business has been existing for more than 10 years<br> 8 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 10:55 | 2025-07-15 08:03 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived- Finding waived with comp factors. Exception approved to use signed W7 form in lieu of proof of ITIN renewal. ITIN was issued in 2006. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception approved to use signed W7 form in lieu of proof of ITIN renewal. ITIN was issued in 2006. - Due Diligence Vendor-07/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years | DTI 31.734% with 43% max.<br> Borrower's business has been existing for more than 10 years<br> 8 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 10:53 | 2025-07-15 08:03 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived- Finding waived with comp factors. Exception required for 80% LTV, maximum LTV allowed is 65% for 100% gift funds for FTHB. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception required for 80% LTV, maximum LTV allowed is 65% for 100% gift funds for FTHB. - Due Diligence Vendor-07/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years | DTI 31.734% with 43% max.<br> Borrower's business has been existing for more than 10 years<br> 8 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 10:54 | 2025-07-15 08:03 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived- Finding waived with comp factors. Exception approved to use co-mingled joint account for income. Borrower is using co-mingled joint account from May 2024 to Aug 2024 and <br> switched to business account from Sept 2024 to present. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception approved to use co-mingled joint account for income. Borrower is using co-mingled joint account from May 2024 to Aug 2024 and <br> switched to business account from Sept 2024 to present. - Due Diligence Vendor-07/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years | DTI 31.734% with 43% max.<br> Borrower's business has been existing for more than 10 years<br> 8 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 10:52 | 2025-07-15 08:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Finding waived with comp factors. Exception approved for not meeting minimum FICO score of 680 for FTHB. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception approved for not meeting minimum FICO score of 680 for FTHB. <br> - Due Diligence Vendor-07/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years | DTI 31.734% with 43% max.<br> Borrower's business has been existing for more than 10 years<br> 8 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841832 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-08 13:06 | 2025-07-15 08:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. Unmarried partner for gift funds - Seller-07/14/2025 <br>Open-F1003 does not reflect Gift of $99,963.05, to include relationship of donor. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Unmarried partner for gift funds - Seller-07/14/2025<br>| Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841842 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-07 16:58 | 2025-07-24 10:09 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Rent Free Letter Provided. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Counter-Document Uploaded. The Exception is stating that the Rent Free Letter does not disclose the Relationship to the Borrower. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Rent Free letter does not indicate relationship to borrower. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Rent Free Letter Provided. - Due Diligence Vendor-07/24/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.44 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | VERIFICATION OF MORTGAGE_RENT.pdf<br> Screenshot 2025-07-17 095128.jpg<br> xxxxxx - LOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841842 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-03 14:31 | 2025-07-07 17:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Finding waived with comp factors. EXCEPTION FOR DTI 48.67%, - GUIDELINE IS LIMITED TO 43% - Due Diligence Vendor-07/03/2025 |  | Waived-EXCEPTION FOR DTI 48.67%, - GUIDELINE IS LIMITED TO 43% - Due Diligence Vendor-07/03/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.44 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Min FICO required is 700+ while current FICO is 773.LTV is 20% below than max allowed. Reserves of 90+ months post loan closing. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841842 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-03 14:34 | 2025-07-07 17:05 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Waived- Finding waived with comp factors. Client waived with Comp Factors present. xxxxxx this primary residence property missing mortgage statement in loan file. Housing history not fully documented. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with Comp Factors present. xxxxxx this primary residence property missing mortgage statement in loan file. Housing history not fully documented. - Due Diligence Vendor-08/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.44 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Min FICO required is 700+ while current FICO is 773.LTV is 20% below than max allowed. Reserves of 90+ months post loan closing. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-07 02:36 | 2025-07-16 09:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-xxxxxx ICD & xxxxxx RCD not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Lender is sending "initial Disclosures" dated xxxxxx -- not the Initial Closing Disclosure, which must be received by the borrower not less than 3 days prior to consummation. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Please review initial loan pkg submission all of the documents are included - Seller-07/14/2025 <br> Counter-documentation provided does not contain the Initial Closing Disclosure. \*\*\*\*\*\*\*\*\*\*\*\*\*• Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-\*\*\*\*\*\*\*Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower.<br> - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Please review initial loan pkg submission all of the documents are included - Seller-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-xxxxxx ICD & xxxxxx RCD not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | INITIAL DISCLOSURE PACKAGE.pdf<br> VERIFICATION OF RECEIPT OF INITIAL CD - xxxxxx t101653.907.pdf<br> VERIFICATION OF RECEIPT OF CD - xxxxxx t101702.635.pdf<br> CHANGE OF CIRCUMSTANCE (95).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-07 14:50 | 2025-07-11 10:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 89% - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Counter-Document Uploaded. the CBR dated 6.02.2025 located on page 172 only shows one Fico score xxxxxx 774 - Due Diligence Vendor-07/10/2025 <br> Ready for Review-<br> Based on credit report ordered on 06/02/25, borrower has 2 scores from xxxxxx 772 and xxxxxx 774 which matches the LQB . Program guide for xxxxxx states that " To determine the Representative Credit Score for the primary wage-earner, select the middle score when 3 agency scores are provided, or the lower score when only 2 agency scores are provided or the score when only 1 agency score is provided. All borrowers on the loan, if they have a Fico score, must have a score of 640 or greater or no score. <br>- Loan has 1 borrower with 2 scores and used the lower score 772, no exception is needed. <br>- Seller-07/10/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 70% . Guideline overlays state One Fico Score of the Primary Wage Earner max LTV/CLTV is 70% max. Borrower has only one score reporting on the credit report. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Ready for Review-<br> Based on credit report ordered on 06/02/25, borrower has 2 scores from xxxxxx 772 and xxxxxx 774 which matches the LQB . Program guide for xxxxxx states that " To determine the Representative Credit Score for the primary wage-earner, select the middle score when 3 agency scores are provided, or the lower score when only 2 agency scores are provided or the score when only 1 agency score is provided. All borrowers on the loan, if they have a Fico score, must have a score of 640 or greater or no score. <br>- Loan has 1 borrower with 2 scores and used the lower score 772, no exception is needed. <br>- Seller-07/10/2025 | Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 89% - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Screenshot 2025-07-10 090843.jpg<br>Loan has 1 borrower with 2 scores and used the lower score 772.docx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-07 14:23 | 2025-07-10 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Title Document is Incomplete . Provide complete legible title for review with complete chain for the subject property. At the time of review over half of the title printed in wingdings and is not verifiable. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | TITLE COMMITMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 07:39 | 2025-07-07 14:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived- Finding waived with comp factors. Client waived with Comp Factors present. Exception approval for minimum tradeline requirement not being met. Borrower does not have any tradelines that are currently active. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waived with Comp Factors present. Exception approval for minimum tradeline requirement not being met. Borrower does not have any tradelines that are currently active. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Current FICO is of 772 while min required is 640 exceeds minimum credit score requirement by at least 72 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 07:42 | 2025-07-07 14:54 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived- Finding waived with comp factors. Exception approval to allow the use of W7 in lieu of expired ITIN letter with notice date of xxxxxx and missing page 2 - Due Diligence Vendor-07/03/2025 |  | Waived-Exception approval to allow the use of W7 in lieu of expired ITIN letter with notice date of xxxxxx and missing page 2 - Due Diligence Vendor-07/03/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Current FICO is of 772 while min required is 640 exceeds minimum credit score requirement by at least 72 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 07:37 | 2025-07-07 14:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Exception approval as current residual income of does not meet the minimum requirement of $3,500.00 as required for DTI >43% Verified residual income is $3343. - Due Diligence Vendor-08/08/2025 |  | Waived-Exception approval as current residual income of does not meet the minimum requirement of $3,500.00 as required for DTI >43% Verified residual income is $3343. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Current FICO is of 772 while min required is 640 exceeds minimum credit score requirement by at least 72 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 07:36 | 2025-07-07 14:52 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived- Finding waived with comp factors. Exception approval to use borrower's xxxxxx account as funds for closing and reserves. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception approval to use borrower's xxxxxx account as funds for closing and reserves. - Due Diligence Vendor-07/03/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | - Current FICO is of 772 while min required is 640 exceeds minimum credit score requirement by at least 72 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841833 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-03 07:43 | 2025-07-07 14:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Exception approval for current payment shock of 225.95% exceeds maximum allowable 200% of the borrower current housing payment - Due Diligence Vendor-07/03/2025 |  | Waived-Exception approval for current payment shock of 225.95% exceeds maximum allowable 200% of the borrower current housing payment - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | - Current FICO is of 772 while min required is 640 exceeds minimum credit score requirement by at least 72 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841828 | xxxxxx | C A | Closed | xxxxxx | 2025-07-08 08:37 | 2025-07-10 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.16% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | VERIFICATION OF RECEIPT OF CD - xxxxxx t093909.951.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839928 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 14:40 | 2025-07-29 18:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please advise. Per underwriter, Source of funds are supported by CD from sale borrowers' other property paying off a separate NR/SS/CAL x2528 mortgage, netting $434,931. Credit report in file shows both mortgages PIF in April 2025, supporting that the net equity was used to pay the NR/SMS/CAL mortgage x8842 in full. This transaction took place prior to subjects app date, therefore no additional source of funds was required. Current HOI shows the same mortgagee now PIF, supporting no additional mortgagee exists - Due Diligence Vendor-07/29/2025 <br> Open-Audited DTI of 55.24% exceeds Guideline DTI of 50% Audited DTI of 55.24% exceeds Guideline DTI of 50%. Missing verification of PITI for xxxxxx. Lender used -$1056.94 for rental income. QC Qualified using credit report payment $2,580. No lease located in the file. - Due Diligence Vendor-07/07/2025 |  | Resolved-Audited DTI of 44.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.96 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review839928_xxxxxx_xxxxxx_7_29_2025_83332_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839928 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 07:33 | 2025-07-29 18:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage satisfied prior to close so only amount to qual at was the $1056 for TIA. Docs match qual amount. - Due Diligence Vendor-07/29/2025 <br> Ready for Review- - Due Diligence Vendor-07/29/2025 <br> Open-Document Uploaded. The mortgage for xxxxxx was paid off and satisfied on 4/18/25, approximately 1 month prior subjects xxxxxx application date. See satisfaction of mortgage attached. - Due Diligence Vendor-07/29/2025 <br> Open-Mortgage Statement Missing #xxxxxx. Acct #xxxxxx. Verification of Insurance, taxes and HOA also missing. - Due Diligence Vendor-07/07/2025 |  | Resolved-Mortgage satisfied prior to close so only amount to qual at was the $1056 for TIA. Docs match qual amount. - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.96 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review839928_xxxxxx_xxxxxx_7_29_2025_83258_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839870 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840148 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840222 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840055 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838718 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 14:36 | 2025-07-10 22:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Resolved-B2 2024 year end stub and two consecutive YTD stubs provided show necessary pay amount for salary and bonus. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See attached paystubs - Due Diligence Vendor-07/11/2025 <br> Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-07/07/2025 |  | Resolved-B2 2024 year end stub and two consecutive YTD stubs provided show necessary pay amount for salary and bonus. - Due Diligence Vendor-07/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.68 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years |  | Full Review838718_xxxxxx_xxxxxx_7_9_2025_35844_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838718 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 13:36 | 2025-07-10 22:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided Asset statement provided and matches qual amount. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See attached title.<br> - Due Diligence Vendor-07/11/2025 <br> Open-Asset 1 Missing Complete bank statement for xxxxxx is missing from the file. - Due Diligence Vendor-07/07/2025 |  | Resolved-Asset 1 Provided Asset statement provided and matches qual amount. - Due Diligence Vendor-07/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.68 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years |  | Full Review838718_xxxxxx_xxxxxx_7_9_2025_35723_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838718 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 13:36 | 2025-07-10 22:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable Asset statement provided and matches qual amount. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See attached xxx1768 - Due Diligence Vendor-07/11/2025 <br> Open-Asset 2 Missing Complete bank statement for xxxxxx is missing from the file. - Due Diligence Vendor-07/07/2025 |  | Resolved-Asset 2 Provided Or Not Applicable Asset statement provided and matches qual amount. - Due Diligence Vendor-07/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.68 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years |  | Full Review838718_xxxxxx_xxxxxx_7_9_2025_35810_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838718 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 14:56 | 2025-07-10 22:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See attached title.<br> - Due Diligence Vendor-07/11/2025 <br> Open-Title Document is Incomplete The file was missing the preliminary title report. Only the supplemental report dated xxxxxx was provided for review. - Due Diligence Vendor-07/08/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.68 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years |  | Full Review838718_xxxxxx_xxxxxx_7_9_2025_40034_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840236 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 07:24 | 2025-07-14 15:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Per client request and per xxxxxx additional considerations # 13, $750.29 seller credit overage shown in Section A, line 01, has been reallocated to specific PPFC and TOP charges. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-This is due to the seller credit being itemized to the discount for the full credit amount. We were not able to adjust it - Due Diligence Vendor-07/14/2025 <br> Open-\*\*\*Section A of the Final CD indicates a negative $750.29 discount points fee paid by borrower that is reducing the total PFC fees included in the Finance Charge and reducing the Total of Payment Calculations. Lender to provide explanation in relation to the negative discount points fee and provide pricing information/details for review. - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $714,829.57. The disclosed finance charge of $714,254.28 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-07/08/2025 |  | Resolved-Per client request and per xxxxxx additional considerations # 13, $750.29 seller credit overage shown in Section A, line 01, has been reallocated to specific PPFC and TOP charges. - Due Diligence Vendor-07/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 840236 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 07:24 | 2025-07-14 15:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Per client request and per xxxxxx additional considerations # 13, $750.29 seller credit overage shown in Section A, line 01, has been reallocated to specific PPFC and TOP charges. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-This is due to the seller credit being itemized to the discount for the full credit amount. We were not able to adjust it - Due Diligence Vendor-07/14/2025 <br> Open-\*\*\*Section A of the Final CD indicates a negative $750.29 discount points fee paid by borrower that is reducing the total PFC fees included in the Finance Charge and reducing the Total of Payment Calculations. Lender to provide explanation in relation to the negative discount points fee and provide pricing information/details for review. - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $1,151,469.02. The disclosed total of payments of $1,150,718.73 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-07/08/2025 |  | Resolved-Per client request and per xxxxxx additional considerations # 13, $750.29 seller credit overage shown in Section A, line 01, has been reallocated to specific PPFC and TOP charges. - Due Diligence Vendor-07/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 840236 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-09 06:45 | 2025-07-10 21:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Credit Supplement provided to show mortgage and history. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See attached credit supplement - Due Diligence Vendor-07/11/2025 <br> Open-Missing mortgage statement for primary residence xxxxxx. - Due Diligence Vendor-07/09/2025 |  | Resolved-Credit Supplement provided to show mortgage and history. - Due Diligence Vendor-07/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | Full Review840236_xxxxxx_xxxxxx_7_10_2025_55141_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 840008 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840260 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-09 14:41 | 2025-07-16 18:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDX monitoring provided shows monitoring going up to and past closing. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached Gap report - Due Diligence Vendor-07/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/09/2025 |  | Resolved-UDX monitoring provided shows monitoring going up to and past closing. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | Full Review840260_xxxxxx_xxxxxx_7_15_2025_121541_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840260 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-07 15:16 | 2025-07-14 11:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Disclosure tracking shows appraisal itself and disclosures sent more than three days prior to close. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. See Disclosure Tracking Details log - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Ø \*\*\*Unable to determine if loan is HPML Compliant. 1026.35(c)(6)(ii)(a). Lender to provide: Evidence that the borrower received a copy of the Appraisal at least three business days prior to consummation. - Due Diligence Vendor-07/09/2025  |  | Resolved-Disclosure tracking shows appraisal itself and disclosures sent more than three days prior to close. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | Full Review840260_xxxxxx_xxxxxx_7_11_2025_25553_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 839962 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 02:15 | 2025-07-10 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-UCDP/CU score 1 provided - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Please verify Collateral Underwriter Score Provided is actually Missing. Missing CU score as CU provided is illegible. Please resend. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-UCDP/CU score 1 provided - Due Diligence Vendor-07/10/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx_CU report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841830 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-08 14:50 | 2025-07-15 07:08 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open- Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.Initial Closing Disclosure - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/15/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | INITIAL DISCLOSURE PACKAGE.pdf<br>VERIFICATION OF RECEIPT OF CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841830 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 10:05 | 2025-07-09 10:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Finding waived with comp factors. Lender exception in file allowing for 4 months reserves vs the required / per guides 6 months - Due Diligence Vendor-07/09/2025 |  | Waived-Lender exception in file allowing for 4 months reserves vs the required / per guides 6 months - Due Diligence Vendor-07/09/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Using 100% borrower's funds for the down payment<br> DTI is 38.317%<br> Housing ratio is only 23.970%<br> Credit score of 789 exceeds minimum required of 660 by at least 20 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841830 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-08 02:20 | 2025-07-08 02:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Housing History Does Not Meet Guideline Requirements Borrower is living rent free. FTHB with no 12-month rental history is ineligible - Due Diligence Vendor-07/08/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Borrower is living rent free. FTHB with no 12-month rental history is ineligible - Due Diligence Vendor-07/08/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Using 100% borrower's funds for the down payment <br> DTI is 38.317% <br> Housing ratio is only 23.970% <br> Credit score of 789 exceeds minimum required of 660 by at least 20 points  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841827 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-08 16:14 | 2025-07-22 09:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open-Missing Initial Closing Disclosure - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | CHANGE OF CIRCUMSTANCE 2.pdf<br> CHANGE OF CIRCUMSTANCE.pdf<br> VERIFICATION OF RECEIPT OF CD.pdf<br> VERIFICATION OF RECEIPT OF CD 3.pdf<br> VERIFICATION OF RECEIPT OF CD 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841827 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 13:44 | 2025-07-22 09:16 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841827 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 13:44 | 2025-07-22 09:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $140.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841827 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 13:44 | 2025-07-22 09:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841827 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 13:44 | 2025-07-22 09:16 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841827 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 10:52 | 2025-07-09 11:12 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived- Finding waived with comp factors. Income and Employment Do Not Meet Guidelines Client waived with comp factors present. Exception approval granted for expiration date for 12 BS income; B2 bank statements are 2 days outside of 60 day documentation requirement. Additionally, business narrative signed by tax preparer in lieu of CPA or an IRS enrolled agent as required - Due Diligence Vendor-08/08/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Client waived with comp factors present. Exception approval granted for expiration date for 12 BS income; B2 bank statements are 2 days outside of 60 day documentation requirement. Additionally, business narrative signed by tax preparer in lieu of CPA or an IRS enrolled agent as required - Due Diligence Vendor-08/08/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | -Current FICO is 714 while min required is 660 exceeds minimum credit score requirement by at least 54 points.<br> - Current LTV is 64.836%, maximum allowable LTV is 80%<br> - Low housing ratio 23.152%<br> - Number of Month Reserves Post Closing is 22.431 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841835 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-08 07:53 | 2025-07-16 09:32 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-xxxxxx ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-xxxxxx ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.39 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | VERIFICATION OF RECEIPT OF CD - xxxxxx t103921.740.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841835 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 12:30 | 2025-07-16 09:32 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.39 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841835 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 11:38 | 2025-07-09 11:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Finding waived with comp factors. Audited Reserves of 2.64 are less than Guideline Required Reserves of 6 Lender exceptions for less than 6 months reserves. - Due Diligence Vendor-07/09/2025 |  | Waived-Audited Reserves of 2.64 are less than Guideline Required Reserves of 6 Lender exceptions for less than 6 months reserves. - Due Diligence Vendor-07/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.39 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 | Credit Score 20+ points over minimum<br> 25% LTV<br> All consumer credit paid as agreed in most recent 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841831 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-09 14:36 | 2025-07-24 13:19 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details and RCD dated xxxxxx received, data entered, no additional compliance findings. - Due Diligence Vendor-07/24/2025 <br> Resolved- - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Counter-Revised Closing Disclosure dated xxxxxx to accompany the COC form, has not been provided. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. There is no cure due of 11,250.00. The coc of xxxxxx clearly stated that loan amount and rate changed. Therefore lender credit changed to -0-. xxxxxx Pre CD has a -0- lender credit. There is no need for a post closing cd to fix this. <br> - Seller-07/18/2025 <br> Counter-Initial Closing Disclosure includes a Lender Credit in the amount of $11,250.00, removed ($0.00) in the Final Closing Disclosure, resulting in a 0% tolerance cure in the amount of $$11,250.00. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $11,250.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($11,250.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Ready for Review-Document Uploaded. There is no cure due of 11,250.00. The coc of xxxxxx clearly stated that loan amount and rate changed. Therefore lender credit changed to -0-. xxxxxx Pre CD has a -0- lender credit. There is no need for a post closing cd to fix this.<br>- Seller-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 | Resolved-COC event details and RCD dated xxxxxx received, data entered, no additional compliance findings. - Due Diligence Vendor-07/24/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.16 Are Greater Than The Guideline Minimum Of 73 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | VERIFICATION OF RECEIPT OF CD - xxxxxx t095503.763.pdf<br> CHANGE OF CIRCUMSTANCE.pdf<br> VERIFICATION OF RECEIPT OF CD - xxxxxx t151450.569.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841831 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-09 14:36 | 2025-07-18 08:21 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025 | Resolved-ICD received, data entered - Due Diligence Vendor-07/18/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.16 Are Greater Than The Guideline Minimum Of 73 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | VERIFICATION OF RECEIPT OF CD - xxxxxx t095503.763.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841831 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-09 13:41 | 2025-07-18 08:20 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Intent to proceed is xxxxxx per initial disclosures provided. See attached.<br> Pre CD's provided on xxxxxx signed xxxxxx and xxxxxx, see below. xxxxxx CD signed on xxxxxx. APR from xxxxxx cd to xxxxxx did not increase by more than .125%. So docs/note can be dated date after xxxxxx CD which is more than 7 days from ITP.<br> Note dated: xxxxxx. this should clear all your conditions - Seller-07/16/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/09/2025 <br> Open-Missing Initial Closing Disclosure - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Intent to proceed is xxxxxx per initial disclosures provided. See attached.<br>Pre CD's provided on xxxxxx signed xxxxxx and xxxxxx, see below. xxxxxx CD signed on xxxxxx. APR from xxxxxx cd to xxxxxx did not increase by more than .125%. So docs/note can be dated date after xxxxxx CD which is more than 7 days from ITP.<br>Note dated: xxxxxx. this should clear all your conditions<br> - Seller-07/16/2025 | Resolved-ICD received, data entered - Due Diligence Vendor-07/18/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.16 Are Greater Than The Guideline Minimum Of 73 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | INITIAL DISCLOSURE PACKAGE (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841831 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-09 14:25 | 2025-07-17 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard dwelling coverage A of xxxxxx does not meet loan amount of xxxxxx. No RCE in file. Dec page shows extended coverage A, missing extended amount. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/17/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.16 Are Greater Than The Guideline Minimum Of 73 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839710 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:35 | 2025-07-10 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. P & L attached - Buyer-07/09/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-07/08/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-07/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.98 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx P&L.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839710 | xxxxxx | D A | Closed | xxxxxx | 2025-07-09 13:47 | 2025-07-10 13:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Final CD provided for C/O on xxxxxx - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. funds to close - Buyer-07/09/2025 <br> Open-Missing final settlement statement to verify proceeds from sale. - Due Diligence Vendor-07/09/2025 |  | Resolved-Final CD provided for C/O on xxxxxx - Due Diligence Vendor-07/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.98 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | final from 226700.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841138 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 12:50 | 2025-07-22 01:13 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Prepayment Penalty Information Unavailable | Resolved-PPP addendum to note provided. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. See attached PPP Addendum to the note along with tracking - Due Diligence Vendor-07/22/2025 <br> Open-Loan was locked with a PPP but PPP docs were not provided. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 |  | Resolved-PPP addendum to note provided. - Due Diligence Vendor-07/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review841138_xxxxxx_7_21_2025_35205_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841138 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-09 12:43 | 2025-07-16 19:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Statements provided. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached mtg stmts - Due Diligence Vendor-07/16/2025 <br> Open-Missing xxxxxx mortgage statements for xxxxxx. - Due Diligence Vendor-07/09/2025 |  | Resolved-Statements provided. - Due Diligence Vendor-07/16/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review841138_xxxxxx_7_16_2025_55113_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841138 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-08 08:22 | 2025-07-08 08:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Housing History Does Not Meet Guideline Requirements Client waived with Comp Factors present. Borrower does not meet housing history documentation requirement. Exception granted to allow VOM without 6 months payment verification. - Due Diligence Vendor-08/08/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Client waived with Comp Factors present. Borrower does not meet housing history documentation requirement. Exception granted to allow VOM without 6 months payment verification. - Due Diligence Vendor-08/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | \* Residual income more than 2.5x the amount required by guidelines<br> \* Experienced investor owns and manages 5 or more properties for 12 months<br> \* Credit Score 30+ points > minimum required<br> \* 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840351 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 09:06 | 2025-07-15 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Buyer-07/14/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/10/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 10:49 | 2025-07-15 13:34 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Limited Warranty Deed provided. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. warranty deed - Seller-07/14/2025 <br> Open-Seller Warranty Deed and Closing Disclosure has not been provided - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. warranty deed - Seller-07/14/2025 | Resolved-Limited Warranty Deed provided. - Due Diligence Vendor-07/15/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | seller to buyer.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 03:54 | 2025-07-15 13:33 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. final 1003 signed - Seller-07/14/2025 <br> Open-The Final 1003 is Missing \*\*\*\*\*\*\*\*\*\*\*\* Please provide copy of initial disclosure package issued within 3 days of the application date. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. final 1003 signed - Seller-07/14/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/15/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | final 1003 signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 11:41 | 2025-07-15 11:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/14/2025 <br> Open-~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-07/11/2025 |  | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Untitled Extract Pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 11:41 | 2025-07-15 11:37 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. initial disclosures - Seller-07/14/2025 <br> Open-Service Provider List is Missing \*\*\*\*\*\*\*\*\*\*\*\* Please provide copy of initial disclosure package issued within 3 days of the application date. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. initial disclosures - Seller-07/14/2025 | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | initial disclosures.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 10:58 | 2025-07-15 11:37 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. closing docs - Seller-07/14/2025 <br> Open-Complete executed Closing Package, has not been provided - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. closing docs - Seller-07/14/2025 | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | closing docs xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 11:33 | 2025-07-15 11:37 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved \*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. closing docs - Buyer-07/14/2025 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved \*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | closing docs xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 11:33 | 2025-07-15 11:37 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-N/A - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. intial disclosures - let me know if you need a full new pkg uploaded - Seller-07/14/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File \*\*\*\*\*\*\*\*\*\*\*\* Please provide copy of initial disclosure package issued within 3 days of the application date. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. intial disclosures - let me know if you need a full new pkg uploaded - Seller-07/14/2025 | Resolved-N/A - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | initial disclosures.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 11:33 | 2025-07-15 11:36 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. initial disclosures. I can reupload a full pkg if there ae still items missing. xxxxxx about that. - Buyer-07/14/2025 <br> Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\*\*\*\*\*\* Please provide copy of initial disclosure package issued within 3 days of the application date. - Due Diligence Vendor-07/10/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | initial disclosures.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 10:24 | 2025-07-15 11:36 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. CD, PCCD - Seller-07/14/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. CD, PCCD - Seller-07/14/2025 | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Closing Disclosure - Disclosure #1.pdf<br>final signed cd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840779 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 11:31 | 2025-07-15 11:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 <br> Resolved- - Due Diligence Vendor-07/15/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-07/15/2025 |  | Resolved-\*\*\*Received all executed final disclosures and initial disclosures - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841376 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 00:53 | 2025-07-14 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved- - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. occupancy cert - Buyer-07/11/2025 <br> Open-Occupancy or business purpose affidavit is missing showing occupancy as primary, second home or non owner occupied. - Due Diligence Vendor-07/10/2025 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |  | Occupancy Certification- xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841376 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 06:01 | 2025-07-14 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Buyer-07/11/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/11/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841376 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 00:44 | 2025-07-14 09:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. final 1003 signed - Buyer-07/11/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |  | final 1003 signed xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841059 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 14:41 | 2025-07-16 18:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached bank stmt income worksheet - Due Diligence Vendor-07/16/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-07/10/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 157.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.49 Years | Missing Lender Worksheet or Bank Statement Summary | Full Review841059_xxxxxx_7_15_2025_105037_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841057 | xxxxxx | C A | Closed | xxxxxx | 2025-07-10 07:35 | 2025-07-18 11:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/16/2025 <br> Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/10/2025 | See attached COC and CD - xxxxxx <br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review841057_xxxxxx_7_15_2025_110316_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839734 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 19:09 | 2025-07-16 18:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit report provided. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached Gap report - Due Diligence Vendor-07/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-Gap Credit report provided. - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | Full Review839734_xxxxxx_7_15_2025_104127_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839734 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 18:45 | 2025-07-16 18:26 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached final 1003 - Due Diligence Vendor-07/16/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | Full Review839734_xxxxxx_7_15_2025_104054_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839734 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 19:38 | 2025-07-14 19:47 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD withdrawls can be seen in the bank statments provided ($5k) and previous withdrawls happened during the building process in 2024. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Bank statements are in the file also. 145595 on 11/7/2024 and 114593 on 8/28/2024 and 5K on 6/15/24 - Due Diligence Vendor-07/14/2025 <br> Open-The Final closing disclosure show xxxxxx as deposit, only $5,000 of earnest money was sourced. No evidence to support the additional xxxxxx was located in the file. - Due Diligence Vendor-07/10/2025 |  | Resolved-EMD withdrawls can be seen in the bank statments provided ($5k) and previous withdrawls happened during the building process in 2024. - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | Full Review839734_xxxxxx_7_14_2025_13031_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839734 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 19:34 | 2025-07-14 19:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.83 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-07/14/2025 <br> Ready for Review-LTV is at 80%. Only 3 months of reserves is required. - Due Diligence Vendor-07/14/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-07/10/2025 |  | Resolved-Audited Reserves of 10.83 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839734 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 11:43 | 2025-07-14 19:42 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Document Uploaded. - Due Diligence Vendor-07/14/2025 <br> Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. See attached LOE - Due Diligence Vendor-07/14/2025 <br> Open-Required Affiliated Business Disclosure Missing \*\*Lender to provide a copy of the Affiliated Business Disclosure and evidence the borrower received within 3 business days of the application date. All affiliated Business Arrangements must be disclosed to the buyer in connection to settlement services. The lender can provide an attestation that it has no affiliates or that their affiliates do not provide settlement services if applicable. - Due Diligence Vendor-07/11/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-07/14/2025 <br>Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | Full Review839734_xxxxxx_7_14_2025_12822_PM.zip<br> Full Review839734_xxxxxx_7_14_2025_12742_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839734 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 10:36 | 2025-07-14 19:42 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. See attached Initial Escrow Account Disclosure Stmt - Due Diligence Vendor-07/14/2025 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | Full Review839734_xxxxxx_7_14_2025_12822_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837904 | xxxxxx | D A | Closed | xxxxxx | 2025-07-09 17:34 | 2025-07-16 19:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached full title report - Due Diligence Vendor-07/16/2025 <br> Counter-A title document was provided, however, it's one page (of what looks like 9 pages) and that document only displays the left half of the document. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-07/14/2025 <br> Open-Title Document is missing - Due Diligence Vendor-07/09/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.21 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.36 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | Full Review837904_xxxxxx_7_14_2025_12413_PM.zip<br> Full Review837904_xxxxxx_7_16_2025_61222_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837904 | xxxxxx | D A | Closed | xxxxxx | 2025-07-09 17:38 | 2025-07-16 18:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/09/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.21 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.36 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837904 | xxxxxx | D A | Closed | xxxxxx | 2025-07-09 17:38 | 2025-07-16 18:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Income calcuation worksheets provided. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached bank stmt income worksheet - Due Diligence Vendor-07/16/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-07/09/2025 |  | Resolved-Income calcuation worksheets provided. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.21 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.36 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | Full Review837904_xxxxxx_7_15_2025_111708_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841181 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840438 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839936 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840215 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 10:12 | 2025-07-18 16:13 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. See attached final CD - Due Diligence Vendor-07/16/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/14/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 667 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review840215_xxxxxx_7_16_2025_25217_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840215 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 10:41 | 2025-07-18 11:00 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation. An escrow account for Insurance(s) and Taxes has been established.<br> - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established.<br> - Due Diligence Vendor-07/18/2025 <br> Rescinded-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-07/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 667 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840215 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 15:26 | 2025-07-16 18:48 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached Initial Escrow Account Disclosure Stmt - Due Diligence Vendor-07/16/2025 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-07/11/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 667 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review840215_xxxxxx_7_16_2025_24057_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840215 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 00:38 | 2025-07-16 18:47 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached final 1003. - Due Diligence Vendor-07/16/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-07/11/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 667 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review840215_xxxxxx_7_16_2025_25147_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840364 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-10 14:01 | 2025-07-15 13:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. 1008 - Buyer-07/14/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/10/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 1008 - Transmittal Summary xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840364 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-10 13:57 | 2025-07-15 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-07/14/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-07/14/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxxxxx.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840364 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-10 13:46 | 2025-07-15 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. flood cert - Buyer-07/14/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-07/10/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | flood cert xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840364 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-10 13:46 | 2025-07-15 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. hazard insurance - Buyer-07/14/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/10/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | hazard insurance xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840364 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-11 13:41 | 2025-07-15 12:44 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*Received - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. closing docs - Seller-07/14/2025 <br> Open-. \*\* Copy of all fully executed Closing Documents, not provided. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. closing docs - Seller-07/14/2025<br>| Resolved-\*\*Received - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | closing docs xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840364 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-11 01:18 | 2025-07-15 12:44 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. initial disclosures - Seller-07/14/2025 <br> Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\*\* . Please provide copy of all initial disclosures issued within 3 days of application - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. initial disclosures - Seller-07/14/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | initial disclosures xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840364 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-11 01:18 | 2025-07-15 12:44 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. IEAD signed - Seller-07/14/2025 <br> Open-Initial Escrow Account Disclosure is Missing. \*\* Copy of all fully executed Closing Documents, not provided. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. IEAD signed - Seller-07/14/2025 | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | Initial Escrow Account Disclosure Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840690 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841359 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838469 | xxxxxx | C A | Closed | xxxxxx | 2025-07-11 10:16 | 2025-07-29 18:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Updated investor approval provided. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. This document approving the matrix that shows xxxxxx down to a 620 credit score is attached and they should now clear the file with these attachments. - Buyer-07/29/2025 <br> Counter-Document Uploaded. The xxxxxx Matrix allows a 620 Fico score For Primary Residence however the Program for this loan is a xxxxxx which states 660 is the Min. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-This was locked as xxxxxx which goes down to 620. The lock in the file is locked with Nonqm 1 at a 653 score which is correct. This is not a FTHB either (cash out refi). Please waive this condition. xxxxxx <br> - Buyer-07/15/2025 <br> Open-Audited FICO of 653 is less than Guideline FICO of 660 - Due Diligence Vendor-07/11/2025 |  | Resolved-Updated investor approval provided. - Due Diligence Vendor-07/29/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.09 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.66 Years |  | Screenshot 2025-07-16 120512.jpg<br> xxxxxx.jpg<br> xxxxxx.jpg<br> xxxxxx Revolution - Seller UW Guideline approval letter 07.29.2025.docx.pdf<br> xxxxxx- Matrix 2-5-25 Final V3.pdf<br> xxxxxx Processor Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840925 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 07:42 | 2025-07-16 10:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. fnal cd signed - Buyer-07/15/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/11/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.22 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | final cd signed xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838493 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840162 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840835 | xxxxxx | D A | Closed | xxxxxx | 2025-07-14 03:02 | 2025-07-22 01:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-All entity documents provided. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see provided entity documents. xxxxxx - Due Diligence Vendor-07/22/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, evidence of EIN is missing. - Due Diligence Vendor-07/14/2025 |  | Resolved-All entity documents provided. - Due Diligence Vendor-07/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.20 Years |  | Full Review840835_xxxxxx_7_17_2025_44929_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840663 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 14:33 | 2025-07-28 20:40 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-All required rent payment information provided between bank statements showing the money coming out of borrower owned account and then 12 continuous months of it coming out up until closing. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Attached are the prior 14 months of rental payments and most recent bank statement confirming the most recent payment detail on 5/16/25. These were sent in the original credit package. Between these documents and the previously supplied VOR from the landlord, we determined the history was acceptable and kindly ask the investor to consider the same. - Due Diligence Vendor-07/29/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent Document is Missing. - Due Diligence Vendor-07/15/2025 |  | Resolved-All required rent payment information provided between bank statements showing the money coming out of borrower owned account and then 12 continuous months of it coming out up until closing. - Due Diligence Vendor-07/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | Full Review840663_xxxxxx_7_23_2025_121459_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840663 | xxxxxx | D A | Closed | xxxxxx | 2025-07-14 13:11 | 2025-07-22 01:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-TI documents and confirmation of loan payoff provided (no new debt to pay off loan. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see provided REO documents for review. - Due Diligence Vendor-07/22/2025 <br> Open-Provide Proof of Tax and HOI and HOA for the REO Property Payment xxxxxx " xxxxxx ". However its not available at the time of review. - Due Diligence Vendor-07/14/2025 |  | Resolved-TI documents and confirmation of loan payoff provided (no new debt to pay off loan. - Due Diligence Vendor-07/22/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | Full Review840663_xxxxxx_7_17_2025_43510_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840934 | xxxxxx | B A | Closed | xxxxxx | 2025-07-15 16:06 | 2025-07-15 16:06 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Waived with compensating factors; Subject appraisal indicates Functional obsolescence due to no above xxxxxx. xxxxxx. - Due Diligence Vendor-08/08/2025 |  | Waived-Waived with compensating factors; Subject appraisal indicates Functional obsolescence due to no above xxxxxx. xxxxxx. - Due Diligence Vendor-08/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI <= 36% which is below requirement in guidelines<br> Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 842532 | xxxxxx | B A | Closed | xxxxxx | 2025-07-16 11:34 | 2025-07-17 14:08 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Confirmed no affiliates. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Affiliated LOE - Due Diligence Vendor-07/17/2025 <br> Open-Required Affiliated Business Disclosure Missing \*\*Lender to provide a copy of the Affiliated Business Disclosure and evidence the borrower received within 3 business days of the application date. All affiliated Business Arrangements must be disclosed to the buyer in connection to settlement services. The lender can provide an attestation that it has no affiliates or that their affiliates do not provide settlement services if applicable. - Due Diligence Vendor-07/16/2025 |  | Resolved-Confirmed no affiliates. - Due Diligence Vendor-07/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.66 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842532_xxxxxx_7_17_2025_115251_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839922 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 843489 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-15 10:02 | 2025-07-18 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Finding Resolved. Final verified residual income is >$5000 which allows DTI up to 50%. Final DTI within guidelines. - Due Diligence Vendor-08/21/2025<br> Waived-Client Waived with Compensating Factors: Loan is limited to 43% DTI as borrower does not meet residual income of $3500 to permit >43%. Exception provided for DTI approved at 47.344%. Final verified DTI is 46.83%. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Audited DTI of 46.83% exceeds Guideline DTI of 43% Because of income calculation there is a diffrence in the DTI. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Finding Resolved. Final verified residual income is >$5000 which allows DTI up to 50%. Final DTI within guidelines. - Due Diligence Vendor-08/21/2025  | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years | Borrower exceeds minimum credit score by at least 18 points<br> Reserves exceed minimum required by at least 9.27 months | EXCEPTION FORM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843489 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-15 11:07 | 2025-07-18 09:28 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025 | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/18/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years |  | VERIFICATION OF RECEIPT OF CD.pdf<br>REDISCLOSED LOAN ESTIMATE.pdf<br>CHANGE OF CIRCUMSTANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843489 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-15 10:04 | 2025-07-15 10:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived- Finding waived with comp factors. Exception approval is required for payment shock of $485.790%. Per guideline, max payment shock for primary residence is 200%. - Due Diligence Vendor-07/15/2025 |  | Waived-Exception approval is required for payment shock of $485.790%. Per guideline, max payment shock for primary residence is 200%. - Due Diligence Vendor-07/15/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years | · Borrower exceeds minimum credit score by at least 18 points. <br> · Reserves exceed minimum required by at least 9.27 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 842545 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840837 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 18:33 | 2025-07-22 01:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-CD and Note and Mortgage statement provided. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see attached Mortgage Statement for xxxxxx. - Due Diligence Vendor-07/22/2025 <br> Open-For the following property xxxxxx Mortgage Statement is missing<br> xxxxxx. - Due Diligence Vendor-07/16/2025 |  | Resolved-CD and Note and Mortgage statement provided. - Due Diligence Vendor-07/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review840837_xxxxxx_7_21_2025_42051_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840837 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 18:25 | 2025-07-22 01:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see attached CD for HELOC - xxxxxx - cash to borrower actually $111,442.43. - Due Diligence Vendor-07/22/2025 <br> Open-Asset 3 Missing Evidence of Proceeds from secure loan in the amount of xxxxxx are missing from the file. - Due Diligence Vendor-07/16/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review840837_xxxxxx_7_21_2025_45027_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838742 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841026 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-17 04:33 | 2025-07-21 11:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Finding waived with comp factors. Rural Property not Eligible - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. exception request approved see attached - Buyer-07/18/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines, rural property not allowed on xxxxxx. - Due Diligence Vendor-07/17/2025 |  | Waived-Approved Lender Exception: Rural Property not Eligible - Due Diligence Vendor-07/21/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20)<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%)<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%)<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) | Exception Request Manner.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 842587 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842374 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840716 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 17:08 | 2025-07-23 00:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-All new mortgage docs for concurrent loan on primary provided and match qual amounts. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. 7/22/25 - please see attached. New purchase. CD and New Note provided. - Due Diligence Vendor-07/23/2025 <br> Open-Missing Mortgage Statement for the Primary Residency xxxxxx. - Due Diligence Vendor-07/18/2025 |  | Resolved-All new mortgage docs for concurrent loan on primary provided and match qual amounts. - Due Diligence Vendor-07/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.45 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | Full Review840716_xxxxxx_7_22_2025_60620_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843488 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-18 09:46 | 2025-07-24 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit is required to be pulled within 15 days of close. Missing from file - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/24/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.24 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | LQCC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843488 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-21 12:05 | 2025-07-24 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Title Document is Incomplete Title in file needs to be reprinted. The one in file did not print correctly and required information has been deleted/missing due to printing issues - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/24/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.24 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | PRELIM TITLE REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843488 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-21 12:14 | 2025-07-21 12:48 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Waived with compensating factors. Exception granted for missing passport - Due Diligence Vendor-07/21/2025 |  | Waived-Waived with compensating factors. Exception granted for missing passport - Due Diligence Vendor-07/21/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.24 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | -QUALIFYING SCORE OF 761 EXCEEEDS MINIMUM OF 640 FOR PROGRAM<br> - LOW DTI OF 30%/40%<br> -14 MOS RESERVES  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843488 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-18 09:49 | 2025-07-21 12:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Finding waived with comp factors. Audited LTV of 85% exceeds Guideline LTV of 75% LTV OF 85% EXCEEDS THE MAX ALLOWED OF 75% FOR LIVING RENT FREE - Due Diligence Vendor-07/18/2025 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 75% LTV OF 85% EXCEEDS THE MAX ALLOWED OF 75% FOR LIVING RENT FREE - Due Diligence Vendor-07/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.24 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | -QUALIFYING SCORE OF 761 EXCEEEDS MINIMUM OF 640 FOR PROGRAM<br> - LOW DTI OF 30%/40%<br> -14 MOS RESERVES |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841113 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841149 | xxxxxx | D A | Closed | xxxxxx | 2025-07-22 18:13 | 2025-07-28 20:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Credit monitoring provided shows monitoring thruogh closing. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. 7/24/25 - please see UDN - Due Diligence Vendor-07/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . Per guidelines (Sec. 2.5.2) A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-07/22/2025 |  | Resolved-Credit monitoring provided shows monitoring thruogh closing. - Due Diligence Vendor-07/29/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.84% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review841149_xxxxxx_7_24_2025_43458_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838400 | xxxxxx | D A | Closed | xxxxxx | 2025-07-22 15:33 | 2025-07-24 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/23/2025 <br> Open-Asset 2 Missing Bank Statements for xxxxxx Account ending in 0296 stated on the final 1003 is missing. - Due Diligence Vendor-07/22/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.53 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 76.83% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 1099 bank statements.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842455 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840601 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841325 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842336 | xxxxxx | D A | Closed | xxxxxx | 2025-07-22 14:49 | 2025-07-29 17:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report provided showing monitoring through closing. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please see gap report - Due Diligence Vendor-07/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/22/2025 |  | Resolved-Gap report provided showing monitoring through closing. - Due Diligence Vendor-07/29/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.43 Years |  | Full Review842336_xxxxxx_7_29_2025_51654_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840010 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841040 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 12:47 | 2025-07-28 19:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM provided and shows monitoring active through closing. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Please see attached credit refresh - Due Diligence Vendor-07/28/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/24/2025 |  | Resolved-UDM provided and shows monitoring active through closing. - Due Diligence Vendor-07/28/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33 Years |  | Full Review841040_xxxxxx_7_28_2025_31818_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841182 | xxxxxx | C A | Closed | xxxxxx | 2025-07-24 14:14 | 2025-07-28 19:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Original gap credit report provided from 7/1/25 did show an xxxxxx payment at $40/month. However, a newer gap credit report provided on 07/11 showed that same payment now at $8 and matched the qual amount. - Due Diligence Vendor-07/28/2025 <br> Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. There is no $40 xxxxxx. xxxxxx is $8 which matches the 1003 and is included in the DTI. The 2 xxxxxx card were paid at closing. The xxxxxx lease was included in the DTI as well. xxxxxx uploaded again.<br> - Due Diligence Vendor-07/28/2025 <br> Open-Audited DTI of 50.23% exceeds Guideline DTI of 50% Loan was approved with DTI of 49.896%. Cause for the difference is the Gap report provided, shows monthly payment of xxxxxx shows a monthly payment of $40 which was not included at original underwrite. Said account did not report on the original credit report. - Due Diligence Vendor-07/24/2025 |  | Resolved-Original gap credit report provided from 7/1/25 did show an xxxxxx payment at $40/month. However, a newer gap credit report provided on 07/11 showed that same payment now at $8 and matched the qual amount. - Due Diligence Vendor-07/28/2025 <br> Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/28/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.52 Years |  | Full Review841182_xxxxxx_7_25_2025_35448_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842320 | xxxxxx | D A | Closed | xxxxxx | 2025-07-25 12:09 | 2025-07-31 00:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Statement provided for property in question. No further issues. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please see attached Mortgage Statement. - Due Diligence Vendor-07/31/2025 <br> Open-Mortgage statement for departing residence xxxxxx (xxxxxx mortgage xxxxxx) is missing from the file. Needed to confirm escrow holdback on bridge loan is sufficent to cover PITIA. - Due Diligence Vendor-07/25/2025 |  | Resolved-Statement provided for property in question. No further issues. - Due Diligence Vendor-07/31/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.96 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | Full Review842320_xxxxxx_7_30_2025_120045_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842320 | xxxxxx | D A | Closed | xxxxxx | 2025-07-25 09:28 | 2025-07-28 18:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Removing the $5k EMD, loan still has enough funds for closing and reserves. - Due Diligence Vendor-07/28/2025 <br> Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Please see attached URLA, looks to be Earnest Money. - Due Diligence Vendor-07/28/2025 <br> Open-Asset 4 Missing Checking account listed on B2's 1003 with a balance of $5,000 is missing from the file. No institution name or account number listed. - Due Diligence Vendor-07/25/2025 |  | Resolved-Removing the $5k EMD, loan still has enough funds for closing and reserves. - Due Diligence Vendor-07/28/2025 <br> Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-07/28/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.96 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | Full Review842320_xxxxxx_7_28_2025_35230_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841311 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 14:04 | 2025-07-29 17:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Client provided busiess entity search showing business still existing after close. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Please see Secretary of State license. xxxxxx - Due Diligence Vendor-07/29/2025 <br> Open-Document Uploaded. Please see Secretary of State license. xxxxxx - Due Diligence Vendor-07/29/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/24/2025 |  | Resolved-Client provided busiess entity search showing business still existing after close. - Due Diligence Vendor-07/29/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review841311_xxxxxx_7_29_2025_93735_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841311 | xxxxxx | D A | Closed | xxxxxx | 2025-07-25 12:58 | 2025-07-29 17:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Client provided busiess entity search showing business still existing after close. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Please see Secretary of State license. xxxxxx - Due Diligence Vendor-07/29/2025 <br> Open-Document Uploaded. Please see Secretary of State license. xxxxxx - Due Diligence Vendor-07/29/2025 <br> Open-Borrower 1 CPA Letter Missing GL require The business being used to source income must be in existence for a minimum of two (2) years as evidenced <br> by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Bank statement from 24 or more months prior to note date reflecting activity, or<br> o Other reasonable evidence of business activity<br> None of the above were located in the file. - Due Diligence Vendor-07/25/2025 |  | Resolved-Client provided busiess entity search showing business still existing after close. - Due Diligence Vendor-07/29/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review841311_xxxxxx_7_29_2025_93735_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841199 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839935 | xxxxxx | C A | Closed | xxxxxx | 2025-07-25 10:50 | 2025-07-29 17:54 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Client provided proof appraisal was delivered to borrower more than 3 days prior to close. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. See attached disclosure tracking details report - Due Diligence Vendor-07/29/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. \*\*\*\*\*\*proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation, has not been provided - Due Diligence Vendor-07/28/2025 |  | Resolved-Client provided proof appraisal was delivered to borrower more than 3 days prior to close. - Due Diligence Vendor-07/29/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.06% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review839935_xxxxxx_7_29_2025_11754_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841121 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.12

**EXHIBIT 99.12**

**Canopy RATING AGENCY GRADES**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 837851 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 832491 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835379 | xxxxxx |  | xxxxxx B | B D | D | D | D B | B A | A | A B | B |
| 840204 | xxxxxx |  | xxxxxx B | B A | A B | B | B | B A | A B | B | B |
| 839423 | xxxxxx |  | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 834886 | xxxxxx |  | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 836322 | xxxxxx |  | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 837712 | xxxxxx |  | xxxxxx B | B D | D B | B D | D B | B A | A B | B | B |
| 837713 | xxxxxx |  | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 837714 | xxxxxx |  | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 836053 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839424 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835902 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 837766 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839418 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 834323 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 836896 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 839431 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 839415 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837510 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 839425 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 839427 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 836450 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837043 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837047 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 835748 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837566 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837463 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839419 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839429 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 835496 | xxxxxx |  | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 835520 | xxxxxx |  | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 835572 | xxxxxx |  | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 835576 | xxxxxx |  | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 835579 | xxxxxx |  | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 837343 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837348 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 837347 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836067 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 834769 | xxxxxx |  | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 837657 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839430 | xxxxxx |  | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 837116 | xxxxxx |  | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 838631 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 836667 | xxxxxx |  | xxxxxx B | B C | C A | A C | C A | A | A | A | A |
| 839403 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839426 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 834358 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837522 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837245 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838053 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837599 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 836963 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838472 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837661 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 833843 | xxxxxx |  | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 839417 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840197 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 840199 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 836748 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838398 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838702 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839428 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 837451 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838347 | xxxxxx |  | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 837270 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 837385 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 838426 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837114 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840193 | xxxxxx |  | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 840191 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837547 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 838830 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837227 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837191 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838818 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838184 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838109 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838315 | xxxxxx |  | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 838243 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838682 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838625 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 838616 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838414 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838933 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 837498 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840207 | xxxxxx |  | xxxxxx B | B A | A B | B | B | B A | A B | B | B |
| 840196 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 839436 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839899 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838154 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837821 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839357 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 840189 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840205 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 838656 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 829106 | xxxxxx |  | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 837658 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838031 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839377 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839349 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838393 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838542 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837989 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839862 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839784 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 838607 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838531 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 838434 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 840357 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837992 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839806 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838554 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 841834 | xxxxxx |  | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 839688 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838953 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838948 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840746 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839696 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839565 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 839383 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839327 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 838837 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838581 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840214 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839381 | xxxxxx |  | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 834902 | xxxxxx |  | xxxxxx B | N/A B | N/A D | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 839396 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838552 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837622 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837871 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 835927 | xxxxxx |  | xxxxxx B | B D | D A | A D | D A | A | A | A | A |
| 840201 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 839833 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840579 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 838553 | xxxxxx |  | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 840249 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838390 | xxxxxx |  | xxxxxx D | D B | B A | A D | D A | A | A | A | A |
| 838363 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838739 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839739 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 841603 | xxxxxx |  | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 838735 | xxxxxx |  | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 840160 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838252 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840990 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 839765 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839348 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840767 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 834803 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841132 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 837973 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839594 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840430 | xxxxxx |  | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 840940 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839792 | xxxxxx |  | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 840823 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 841832 | xxxxxx |  | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 841842 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841833 | xxxxxx |  | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 841828 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 839928 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839870 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840148 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840222 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840055 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838718 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840236 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 840008 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840260 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 839962 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841830 | xxxxxx |  | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 841827 | xxxxxx |  | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 841835 | xxxxxx |  | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 841831 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 839710 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 841138 | xxxxxx |  | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 840351 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840779 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 841376 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 841059 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841057 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 839734 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 837904 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841181 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840438 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839936 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840215 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 840364 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 840690 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 841359 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 838469 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840925 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 838493 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840162 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840835 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840663 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840934 | xxxxxx |  | xxxxxx A | A | A B | B | B A | A | A B | B | B |
| 842532 | xxxxxx |  | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A |
| 839922 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 843489 | xxxxxx |  | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 842545 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840837 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838742 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 841026 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842587 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 842374 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840716 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843488 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 841113 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 841149 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838400 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842455 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 840601 | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841325 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 842336 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840010 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 841040 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841182 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842320 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841311 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841199 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 839935 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 841121 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |

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## Exhibit 99.13

**EXHIBIT 99.13**

**Canopy DATA COMPARE**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 833843 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 833843 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 834358 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 834358 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 834769 | xxxxxx |  | xxxxxx | Amortization Term | 360 | 240 |  |
| 834803 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 834902 | xxxxxx |  | xxxxxx | Qualifying CLTV | 52.26 | 52.52246 |  |
| 835379 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 835496 | xxxxxx |  | xxxxxx | Number of Units | 2 | 4 |  |
| 835572 | xxxxxx |  | xxxxxx | Amortization Term | 360 | 240 |  |
| 835576 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 835748 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 835748 | xxxxxx |  | xxxxxx | Number of Units | 3 | 1 |  |
| 835927 | xxxxxx |  | xxxxxx | Qualifying LTV | 69.75 | 69.74 |  |
| 836053 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 836450 | xxxxxx |  | xxxxxx | Amortization Term | 360 | 480 |  |
| 836667 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836748 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 837114 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 837114 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 837191 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 837227 | xxxxxx |  | xxxxxx | Qualifying FICO | 776 | 696 |  |
| 837498 | xxxxxx |  | xxxxxx | Qualifying CLTV | 50.89 | 51.23 |  |
| 837622 | xxxxxx |  | xxxxxx | Amortization Term | 360 | 240 |  |
| 837622 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837622 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 837712 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 837712 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | 280.3 | $106.55 |  |
| 837821 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837871 | xxxxxx |  | xxxxxx | Qualifying FICO | 694 | 700 |  |
| 837904 | xxxxxx |  | xxxxxx | Amortization Term | 480 | 360 |  |
| 837904 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | false | true |  |
| 837904 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838154 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 838184 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 838315 | xxxxxx |  | xxxxxx | Qualifying CLTV | 74.94 | 74.83776 |  |
| 838363 | xxxxxx |  | xxxxxx | Qualifying CLTV | 55.79 | 55.99 |  |
| 838390 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 838393 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838398 | xxxxxx |  | xxxxxx | Property Zip Code | xxxxxx | xxxxxx |  |
| 838400 | xxxxxx |  | xxxxxx | Qualifying LTV | 76.83 | 76.82 |  |
| 838414 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 838553 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 39.79 | 35.14 |  |
| 838607 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838739 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 838739 | xxxxxx |  | xxxxxx | Qualifying FICO | 784 | 761 |  |
| 838742 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 838837 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838933 | xxxxxx |  | xxxxxx | Interest Rate | 7.875 | 7.99 |  |
| 839327 | xxxxxx |  | xxxxxx | Property Type | Single Family Attached | Single Family Detached |  |
| 839357 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 839377 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 839381 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 839381 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 839403 | xxxxxx |  | xxxxxx | Qualifying FICO | 706 | 711 |  |
| 839403 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 13787.94 | $13788.27 |  |
| 839417 | xxxxxx |  | xxxxxx | Calculated DSCR | 1.244 | 1.19 |  |
| 839417 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 2250.94 | $2250.93 |  |
| 839418 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 1921.68 | $1925.85 |  |
| 839418 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | 291.01 | $179.50 |  |
| 839419 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 839425 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | xxxxxx | xxxxxx |  |
| 839425 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 2789.49 | $2833.87 |  |
| 839427 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 839427 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 3620.14 | $3534.81 |  |
| 839427 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | 198.72 | $137.72 |  |
| 839428 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 839428 | xxxxxx |  | xxxxxx | Qualifying FICO | 750 | 776 |  |
| 839429 | xxxxxx |  | xxxxxx | Qualifying LTV | 45.45 | 45.455 |  |
| 839431 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 839431 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 2037.07 | $2037.08 |  |
| 839594 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 839594 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 839594 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 32.32 | 20 |  |
| 839688 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 839734 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 839734 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 839734 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 36.13 | 38.9 |  |
| 839734 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |
| 839784 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 839792 | xxxxxx |  | xxxxxx | Qualifying CLTV | 44.39 | 44.40 |  |
| 839792 | xxxxxx |  | xxxxxx | Qualifying FICO | 772 | 756 |  |
| 839833 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 839870 | xxxxxx |  | xxxxxx | Qualifying FICO | 809 | 713 |  |
| 839899 | xxxxxx |  | xxxxxx | Primary Mortgage or Rent Times 30 | 0 | 1 |  |
| 839899 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 37.67 | 45.95 |  |
| 839922 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 839922 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 840010 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 840010 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 13.39 | 7.047 |  |
| 840160 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 840196 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 6045.57 | $6045.84 |  |
| 840197 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 840197 | xxxxxx |  | xxxxxx | Property Type | Single Family Detached | Single Family Attached |  |
| 840199 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 840199 | xxxxxx |  | xxxxxx | Qualifying LTV | 43.93 | 43.935 |  |
| 840201 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 840201 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 40.36 | 43.302 |  |
| 840201 | xxxxxx |  | xxxxxx | Verified Doc Type | 1YR Full Doc | Alt |  |
| 840204 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | Yes | No |  |
| 840204 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | xxxxxx | xxxxxx |  |
| 840205 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 6430.06 | $6430.05 |  |
| 840214 | xxxxxx |  | xxxxxx | Qualifying CLTV | 59.42 | 59.50512 |  |
| 840214 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 9.21 | 40 |  |
| 840236 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 840260 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 49.93 | 40 |  |
| 840357 | xxxxxx |  | xxxxxx | Property Type | Condotel | Condominium |  |
| 840430 | xxxxxx |  | xxxxxx | Qualifying CLTV | 60.75 | 60.82 |  |
| 840430 | xxxxxx |  | xxxxxx | Verified Doc Type | Written Verifification of Employment | Full Doc |  |
| 840438 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 840663 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 39.54 | 36.572 |  |
| 840716 | xxxxxx |  | xxxxxx | Amortization Term | 360 | 240 |  |
| 840716 | xxxxxx |  | xxxxxx | Property City | xxxxxx | xxxxxx |  |
| 840716 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 840716 | xxxxxx |  | xxxxxx | Qualifying LTV | 63.75 | 63.63636 |  |
| 840716 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 20.36 | 16.77 |  |
| 840716 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |
| 840835 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 840835 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 16.1 | 33.64 |  |
| 840837 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 840837 | xxxxxx |  | xxxxxx | Number of Units | 2 | 1 |  |
| 840837 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 840837 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 39.22 | 48.284 |  |
| 841040 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 49.95 | 46.664 |  |
| 841057 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 841149 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 841311 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | false | true |  |
| 841311 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 841311 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 24.35 | 35 |  |
| 841311 | xxxxxx |  | xxxxxx | Verified Doc Type | 12 Month Bank Statement | Full |  |
| 841325 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841325 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Detached |  |
| 841359 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 841603 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | false | true |  |
| 841828 | xxxxxx |  | xxxxxx | Property Type | Townhouse | PUD |  |
| 841831 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841831 | xxxxxx |  | xxxxxx | Qualifying LTV | 78.44 | 85 |  |
| 842336 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 38.08 | 25.925 |  |
| 843488 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**Canopy ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 829106 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 832491 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 526869.12 | N/A | Employed |  | No |  | Yes | Present |
| 833843 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 834323 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 834358 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 834769 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 834803 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8690 | 9.968 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6926.63 | N/A | Employed | Employed | No | No | No |  |
| 834886 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 834902 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 10042.99 | 10.108 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5776.46 | N/A | Employed |  | No |  | No |  |
| 835379 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835496 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835520 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835572 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835576 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835579 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835748 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835902 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835927 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836053 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836067 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836322 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836450 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 836667 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836748 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 836896 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836963 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837043 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837047 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837114 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 837116 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837191 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837227 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 837245 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837270 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837343 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837347 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837348 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837385 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837451 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 837463 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837498 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4402.16 | 9.844 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5589.28 | N/A | Employed |  | No |  | No |  |
| 837510 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837522 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837547 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837566 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837599 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837622 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | Yes | No | No | No | No | No | 6261.82 | 8.757 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24031.36 | Yes | Employed |  | No |  | No |  |
| 837657 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837658 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2709 | 8.99 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 22180.41 | N/A | Employed |  | No |  | No |  |
| 837661 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837712 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837713 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837714 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837766 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837821 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 837851 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837871 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837904 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 32745 | 7.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40253.2 | Yes | Employed |  | No |  | No |  |
| 837973 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14103.32 | 8.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48788.31 | Yes | Employed |  | No |  | No |  |
| 837989 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 837992 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 838031 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 838053 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 838109 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838154 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 838184 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838243 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838252 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10129.13 | 9.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9254.31 | Yes | Employed | Employed | No | No | No |  |
| 838315 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2623.91 | N/A | Employed |  | No |  | Yes | Present |
| 838347 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5351.6 | 8.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5927.51 | N/A | Employed |  | No |  | No |  |
| 838363 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1630 | 8.479 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 40712.63 | N/A | Employed |  | No |  | No |  |
| 838390 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15511.75 | 7.747 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 226536.68 | Yes | Employed |  | No |  | No |  |
| 838393 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838398 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838400 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5629.19 | 8.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7668.5 | N/A | Employed |  | No |  | No |  |
| 838414 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6791.07 | N/A | Employed |  | No |  | Yes | Present |
| 838426 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838434 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838469 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 1898.5 | 8.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1754.87 | Yes | Employed |  | No |  | No |  |
| 838472 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838493 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 8298.5 | 9.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8849.37 | N/A | Employed |  | No |  | No |  |
| 838531 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838542 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838552 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11407.91 | N/A | Employed |  | No |  | Yes | Present |
| 838553 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5761.24 | 9.543 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9069.54 | N/A | Employed |  | No |  | No |  |
| 838554 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838581 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 15545 | 9.13 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 11552.83 | N/A | Employed |  | No |  | No |  |
| 838607 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 838616 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838625 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838631 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838656 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838682 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838702 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838718 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8446.9 | N/A | Employed | Employed | No | No | Yes | Present |
| 838735 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17215 | 8.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11170.41 | N/A | Employed |  | No |  | No |  |
| 838739 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838742 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 162224.4 | N/A | Employed |  | No |  | Yes | Present |
| 838818 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No |  | Yes | Present |
| 838830 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838837 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No | No | Yes | Present |
| 838933 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838948 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838953 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839327 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839348 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7795 | 7.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8714.03 | N/A | Not Employed |  | No |  | No |  |
| 839349 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839357 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 839377 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839381 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 17552.5 | 9.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16697.39 | Yes | Employed |  | No |  | No |  |
| 839383 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839396 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40980.93 | N/A | Employed | Employed | No | No | Yes | Present |
| 839403 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 21627 | 8.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24551.99 | N/A | Employed |  | No |  | No |  |
| 839415 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 839417 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 839418 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 839419 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839423 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 839424 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839425 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 839426 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839427 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 839428 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839429 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839430 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839431 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839436 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839565 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839594 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5213.75 | 8.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21105.97 | Yes | Employed |  | No |  | No |  |
| 839688 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839696 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839710 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 84310.07 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 839734 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 36455.21 | 7.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16725.31 | Yes | Employed |  | No |  | No |  |
| 839739 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22500.83 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 839765 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2721.63 | 9.282 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7305.7 | N/A | Employed | Employed | No | No | No |  |
| 839784 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839792 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5827.5 | 9.001 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8516.25 | N/A | Employed | Employed | No | No | No |  |
| 839806 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 839833 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 22195 | 8.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16941.04 | Yes | Employed |  | No |  | No |  |
| 839862 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839870 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3340 | 8.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5047.22 | Yes | Employed | Employed | No | No | No |  |
| 839899 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15784.61 | N/A | Employed |  | No |  | Yes | Present |
| 839922 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 16155.4 | 8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18847.59 | N/A | Employed |  | No |  | No |  |
| 839928 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1795 | 7.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8153 | Yes | Not Employed |  | No |  | No |  |
| 839935 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6600.95 | 8.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8548.17 | Yes | Employed |  | No |  | No |  |
| 839936 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1595 | 8.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3034.08 | N/A | Employed |  | No |  | No |  |
| 839962 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 208298.92 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 840008 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4602.24 | 8.094 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3181.31 | N/A | Not Employed | Not Employed | No | No | No |  |
| 840010 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 59750.32 | N/A | Employed |  | No |  | Yes | Present |
| 840055 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1695 | 8.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12927.75 | N/A | Employed | Employed | No | No | No |  |
| 840148 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11522.84 | 8.096 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22993.16 | N/A | Employed |  | No |  | No |  |
| 840160 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9194 | 8.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6244.75 | Yes | Employed |  | No |  | No |  |
| 840162 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9590 | 8.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8139.89 | Yes | Employed |  | No |  | No |  |
| 840189 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 11170.25 | 9.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9732.95 | N/A | Employed |  | No |  | No |  |
| 840191 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8202 | 11.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12094.71 | N/A | Employed |  | No |  | No |  |
| 840193 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8840 | 9.453 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5314.44 | N/A | Employed | Employed | No | No | No |  |
| 840196 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 840197 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 840199 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840201 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19599.13 | N/A | Employed |  | No |  | Yes | Present |
| 840204 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840205 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840207 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840214 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 163046.4 | N/A | Employed |  | No |  | Yes | Present |
| 840215 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8650 | 9.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5165.22 | N/A | Employed |  | No |  | No |  |
| 840222 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 19446.9 | 8.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 233662.27 | Yes | Employed | Not Employed | No | No | No |  |
| 840236 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 0 | 7.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15677.5 | N/A | Employed |  | No |  | No |  |
| 840249 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 14547 | 9.549 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10035.46 | N/A | Employed |  | No |  | No |  |
| 840260 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 7676.25 | 8.477 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3109.63 | N/A | Employed |  | No |  | No |  |
| 840351 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3705 | 8.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16860.28 | N/A | Employed |  | No |  | No |  |
| 840357 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840364 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 11695 | 8.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9074.05 | N/A | Employed |  | No |  | No |  |
| 840430 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13144.24 | N/A | Employed |  | No |  | Yes | Present |
| 840438 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 1695 | 9.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27032.44 | Yes | Employed |  | No |  | No |  |
| 840579 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840601 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2191 | 8.801 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5868.73 | N/A | Employed | Employed | No | No | No |  |
| 840663 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15275.25 | 7.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32848.05 | Yes | Unknown |  | No |  | No |  |
| 840690 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 17455 | 9.263 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47503.65 | N/A | Employed |  | No |  | No |  |
| 840716 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 34745 | 7.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 209020.64 | Yes | Employed |  | No |  | No |  |
| 840746 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840767 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840779 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 2865 | 8.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24600.66 | N/A | Employed |  | No |  | No |  |
| 840823 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 840835 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31765.36 | N/A | Employed |  | No |  | Yes | Present |
| 840837 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16369.13 | Yes | Employed |  | No |  | Yes | Present |
| 840925 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12072.25 | 7.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9626.88 | Yes | Employed | Employed | No | No | No |  |
| 840934 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1945 | 7.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7345.99 | Yes | Employed |  | No |  | No |  |
| 840940 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840990 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9733.81 | 8.614 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14086.44 | N/A | Employed | Employed | No | No | No |  |
| 841026 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2390 | 7.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24470.41 | N/A | Employed | Not Employed | No | No | No |  |
| 841040 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12599.28 | 10.214 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11932.02 | N/A | Employed |  | No |  | No |  |
| 841057 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9670 | 7.606 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19131.73 | N/A | Employed |  | No |  | No |  |
| 841059 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 83475.62 | N/A | Employed |  | No |  | Yes | Present |
| 841113 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7635.9 | 8.022 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27954.49 | Yes | Employed |  | No |  | No |  |
| 841121 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11060 | 8.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15766.24 | Yes | Employed |  | No |  | No |  |
| 841132 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841138 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 710139.58 | N/A | Employed |  | No |  | Yes | Present |
| 841149 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14056 | 8.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27375.86 | Yes | Employed |  | No |  | No |  |
| 841181 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16069.91 | N/A | Employed |  | No |  | Yes | Present |
| 841182 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 20230.39 | 8.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6028.67 | N/A | Employed |  | No |  | No |  |
| 841199 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12808.08 | N/A | Employed |  | No |  | Yes | Present |
| 841311 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18869.59 | 8.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12099.89 | Yes | Employed |  | No |  | No |  |
| 841325 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 14501.86 | 7.507 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13676.55 | Yes | Employed |  | No |  | No |  |
| 841359 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9090 | 8.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10984.64 | N/A | Employed |  | No |  | No |  |
| 841376 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7199.78 | N/A | Employed |  | No |  | Yes | Present |
| 841603 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8071.51 | 7.761 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8709.7 | Yes | Employed |  | No |  | No |  |
| 841827 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8140 | 7.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5065.87 | Yes | Employed |  | No |  | No |  |
| 841828 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 13748.75 | 8.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8483.09 | N/A | Employed |  | No |  | No |  |
| 841830 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7910 | 8.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9884.51 | N/A | Employed |  | No |  | No |  |
| 841831 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 41364.23 | 8.717 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 133905.7 | N/A | Employed | Not Employed | No | No | No |  |
| 841832 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7640 | 11.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9583.73 | N/A | Employed |  | No |  | No |  |
| 841833 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8264.38 | 8.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3343.05 | Yes | Employed |  | No |  | No |  |
| 841834 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8812.5 | 10.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4277.15 | Yes | Employed |  | No |  | No |  |
| 841835 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6665.49 | 7.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4152.06 | N/A | Employed | Not Employed | No | No | No |  |
| 841842 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18132.12 | Yes | Employed |  | No |  | Yes | Present |
| 842320 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 19450 | 7.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6673.21 | Yes | Employed | Retired | No | No | No |  |
| 842336 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32093.35 | Yes | Employed |  | No |  | Yes | Present |
| 842374 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9450 | 8.4 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21565.36 | Yes | Employed |  | No |  | No |  |
| 842455 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5986 | 8.322 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15694.7 | Yes | Employed |  | No |  | No |  |
| 842532 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4247 | 9.789 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 15866.96 | N/A | Employed |  | No |  | No |  |
| 842545 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 194954.22 | N/A | Employed |  | No |  | Yes | Present |
| 842587 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 15888.5 | 8.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21382.94 | N/A | Employed |  | No |  | No |  |
| 843488 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13587.5 | 9.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6916.03 | N/A | Employed |  | No |  | No |  |
| 843489 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 17240 | 8.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5734.66 | No | Employed |  | No |  | No |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**Canopy VALUATION Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 837851 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-22-2024 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2024 |
| 832491 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-15-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-17-2025 |
| 835379 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 23.53 | 23.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840204 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2024 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839423 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 834886 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 46.51 | 46.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-31-2025 |
| 836322 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-10-2025 | Eligible | 1 | 04-10-2025 |
| 837712 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2025 |
| 837713 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 837714 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-22-2025 |
| 836053 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839424 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 835902 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 837766 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2024 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-30-2025 |
| 839418 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 04-28-2025 |
| 834323 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1025 Small Residential Income Report | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836896 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-18-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839431 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-05-2025 |
| 839415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 45.78 | 45.78 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-30-2025 |
| 837510 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2025 | Eligible | 1 | 02-24-2025 |
| 839425 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-26-2025 |
| 839427 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-07-2025 |
| 836450 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-31-2025 |
| 837043 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837047 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835748 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | Other | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0843 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0843 | xxxxxx | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837566 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .2605 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .2605 | xxxxxx | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837463 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .1972 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1972 | xxxxxx | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839419 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 47.31 | 47.31 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 839429 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 45.45 | 45.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-09-2025 |
| 835496 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1025 Small Residential Income Report | xxxxxx | 57.82 | 57.82 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-08-2025 |
| 835520 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 52.8 | 52.8 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 835572 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 54.55 | 54.55 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 835576 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 55.2 | 55.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 835579 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 54.11 | 54.11 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-29-2025 |
| 837343 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105 | 05-09-2025 |
| 837348 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-02-2025 |
| 837347 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 05-02-2025 |
| 836067 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 66.96 | 66.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 05-12-2025 |
| 834769 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-16-2025 | 1025 Small Residential Income Report | xxxxxx | 65.24 | 65.24 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837657 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-02-2025 | Eligible | 2.2 | 05-02-2025 |
| 839430 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837116 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838631 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-06-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-06-2025 |
| 836667 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1386 | xxxxxx | High Risk | 04-22-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839403 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839426 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-01-2025 | Eligible |  |  |
| 834358 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-23-2025 | Not Eligible | 1 | 05-23-2025 |
| 837522 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-19-2025 | Eligible | 1.1 | 05-19-2025 |
| 837245 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-20-2025 | Eligible | 2.3 | 05-18-2025 |
| 838053 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-11-2025 | 1004 URAR | xxxxxx | 54.08 | 54.08 | xxxxxx | xxxxxx | .0235 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0235 | 05-06-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-20-2025 | Eligible | 1 | 05-20-2025 |
| 837599 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-06-2025 |
| 836963 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 69.72 | 69.72 | xxxxxx | xxxxxx | -.0438 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0438 | xxxxxx | Moderate Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 838472 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-14-2025 | Not Eligible | 1.7 | 05-14-2025 |
| 837661 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-07-2025 | 1025 Small Residential Income Report | xxxxxx | 56.34 | 56.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833843 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-09-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839417 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-24-2025 |
| 840197 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 63.61 | 63.61 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0178 | 05-12-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 05-07-2025 |
| 840199 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 43.93 | 43.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-15-2025 |
| 836748 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-23-2025 | Eligible | 1 | 04-23-2025 |
| 838398 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 38.26 | 38.26 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-16-2025 | Eligible |  |  |
| 838702 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839428 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837451 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838347 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 | Eligible |  |  |
| 837270 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1073 Individual Condo Report | xxxxxx | 64.99 | 64.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-28-2025 | Eligible | 1.6 | 04-28-2025 |
| 837385 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible | 1 | 06-02-2025 |
| 838426 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 69.81 | 69.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-23-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 | Eligible | 1 | 05-27-2025 |
| 837114 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 35.21 | 35.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-28-2025 | Not Eligible | 1.3 | 05-28-2025 |
| 840193 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 840191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 837547 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-25-2025 | Not Eligible | 1 | 04-25-2025 |
| 838830 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-27-2025 | Eligible | 1 | 05-27-2025 |
| 837227 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .1000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1000 | xxxxxx | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-22-2025 |
| 838818 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | 78.63 | 78.63 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 838184 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | 33.33 | 33.33 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-20-2025 | Eligible | 1 | 05-20-2025 |
| 838109 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 54.28 | 54.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 838315 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | 24.69 | 74.94 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838243 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-08-2025 |
| 838682 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0735 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0735 | xxxxxx | Moderate Risk | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 05-15-2025 |
| 838625 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 62.24 | 62.24 | xxxxxx | xxxxxx | -.0918 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0918 | xxxxxx | Low Risk | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838616 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-07-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838414 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838933 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 05-28-2025 | Not Eligible | 2.4 | 05-28-2025 |
| 837498 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 19.32 | 50.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-06-2025 |
| 840207 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | 62.96 | 62.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840196 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 |
| 839436 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-20-2025 | Not Eligible | 1 | 05-20-2025 |
| 839899 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 | Eligible | 1.4 | 05-05-2025 |
| 838154 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 33.64 | 33.64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-23-2025 |  |  |  |  |  |  |  |  |  |  | 0 | 05-08-2025 | Not Eligible | 1 | 05-08-2025 |
| 837821 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 06-09-2025 | Not Eligible |  |  |
| 839357 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-06-2025 |
| 840189 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 47.53 | 47.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 |
| 840205 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 |
| 838656 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-23-2025 | Eligible |  |  |
| 829106 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 34.09 | 34.09 | xxxxxx | xxxxxx | -.0198 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0198 | xxxxxx | Moderate Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-03-2025 |  |  |  |  |  |  |  |  |  |  | 0 | 05-09-2025 | Not Eligible | 1.1 | 05-09-2025 |
| 837658 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 16.22 | 73.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838031 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-01-2025 | Not Eligible | 1 | 03-01-2025 |
| 839377 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 839349 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 52.21 | 52.21 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-20-2025 | Eligible |  |  |
| 838393 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1025 Small Residential Income Report | xxxxxx | 56.6 | 56.6 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838542 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
| 837989 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839862 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 60.61 | 60.61 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-16-2025 |
| 839784 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 838607 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 838531 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-02-2025 |
| 838434 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-20-2025 | Eligible | 1 | 05-20-2025 |
| 840357 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-17-2025 | 1073 Individual Condo Report | xxxxxx | 45.82 | 45.82 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 | Eligible | 1.1 | 05-20-2025 |
| 837992 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-09-2025 | Eligible | 1 | 06-09-2025 |
| 839806 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 | Eligible |  |  |
| 838554 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-21-2025 | Eligible | 1 | 05-21-2025 |
| 841834 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2025 | 1073 Individual Condo Report | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 839688 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 58.48 | 58.48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-04-2025 |
| 838953 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838948 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 |
| 840746 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-11-2025 |
| 839696 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 | Eligible | 1.5 | 06-04-2025 |
| 839565 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-29-2025 |
| 839383 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-01-2025 |
| 839327 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-28-2025 | Eligible | 1.5 | 04-28-2025 |
| 838837 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 | Eligible | 1 | 05-19-2025 |
| 838581 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 45.87 | 74.23 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-21-2025 |
| 840214 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 28.0 | 59.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-06-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 | Eligible | 1 | 05-30-2025 |
| 839381 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 | Eligible | 1.1 | 05-23-2025 |
| 834902 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 2055 Exterior Only Inspection Report | xxxxxx | 34.43 | 52.26 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839396 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-22-2025 | Eligible | 1 | 05-22-2025 |
| 838552 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 837622 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 06-03-2025 |
| 837871 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 69.77 | 69.77 | xxxxxx | xxxxxx | -.0500 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0500 | xxxxxx | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835927 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-06-2025 | 1004 URAR | xxxxxx | 69.75 | 69.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 | Eligible | 1.4 | 04-17-2025 |
| 840201 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839833 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840579 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 05-22-2025 |
| 838553 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 34.95 | 79.99 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 | Eligible |  |  |
| 840249 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-09-2025 |
| 838390 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0103 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0103 | xxxxxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838363 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 16.04 | 55.79 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-01-2025 |
| 838739 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-09-2025 |
| 839739 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 | Eligible | 1 | 06-10-2025 |
| 841603 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 62.4 | 62.4 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  | 5 | 05-27-2025 | Not Eligible | 1.3 | 05-27-2025 |
| 838735 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 840160 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2025 | Eligible | 1 | 04-27-2025 |
| 838252 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-28-2025 |
| 840990 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-05-2025 | Eligible | 1 | 04-05-2025 |
| 839765 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 4.0 | 30.13 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-30-2025 | Eligible |  |  |
| 839348 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 18.6 | 18.6 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840767 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 06-04-2025 | Not Eligible | 1 | 05-29-2025 |
| 834803 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | 27.2 | 79.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 06-05-2025 | Not Eligible |  |  |
| 841132 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 |
| 837973 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 | Eligible |  |  |
| 839594 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-10-2025 |
| 840430 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | 1073 Individual Condo Report | xxxxxx | 37.04 | 60.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 06-06-2025 |
| 840940 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-18-2025 | Eligible | 1 | 06-18-2025 |
| 839792 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 13.66 | 44.39 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-02-2025 |
| 840823 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-05-2025 | 1073 Individual Condo Report | xxxxxx | 59.33 | 59.33 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 |
| 841832 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-17-2025 | Eligible | 2.6 |  |
| 841842 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 06-11-2025 |
| 841833 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |
| 841828 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839928 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-23-2025 |
| 839870 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 06-10-2025 | Not Eligible | 1 | 06-10-2025 |
| 840148 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-04-2025 |
| 840222 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840055 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 58.62 | 58.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 | Eligible | 1 | 05-22-2025 |
| 838718 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-09-2025 | Eligible | 1 | 05-09-2025 |
| 840236 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 | Eligible | 1.2 | 06-20-2025 |
| 840008 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 | Eligible | 1 | 06-16-2025 |
| 840260 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-10-2025 | 1004 URAR | xxxxxx | 49.37 | 49.37 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-14-2025 |
| 839962 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 |
| 841830 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 | Eligible |  |  |
| 841827 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 64.84 | 64.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 841835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 25.0 | 25.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-25-2025 |
| 841831 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 78.44 | 78.44 | xxxxxx | xxxxxx | .0018 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0018 | 06-16-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0018 | xxxxxx | Low Risk | 06-25-5202 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 06-25-2025 |
| 839710 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-15-2025 |
| 841138 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-09-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-09-2025 |
| 840351 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 39.47 | 39.47 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 | Eligible | 1 | 06-20-2025 |
| 840779 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-11-2025 | Eligible | 1.5 | 06-11-2025 |
| 841376 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841059 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-09-2025 |
| 841057 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-09-2025 | Eligible | 1 | 06-09-2025 |
| 839734 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-29-2025 |
| 837904 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 71.43 | 71.43 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0071 | 05-29-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841181 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-22-2025 |
| 840438 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-16-2025 |
| 839936 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-05-2025 | AVM | xxxxxx | 34.53 | 65.99 | xxxxxx | xxxxxx | .0373 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0373 | 88.0 | 0.12 | Collateral Analytics | CA Value Express AVM | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840215 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-28-2025 |
| 840364 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840690 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 69.96 | 69.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841359 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-04-2025 |
| 838469 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 54.35 | 54.35 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-23-2025 |
| 840925 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 |
| 838493 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-01-2025 |
| 840162 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-25-2025 |
| 840835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-30-2025 | Not Eligible | 1 | 05-30-2025 |
| 840663 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | 06-17-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 06-19-2025 | Not Eligible | 2.6 | 06-19-2025 |
| 840934 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-25-2025 | Eligible |  |  |
| 842532 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-17-2025 | AVM | xxxxxx | 20.58 | 79.91 | xxxxxx | xxxxxx | .0698 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0698 | 89.0 | 0.11 | Other | ClearAVM | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839922 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-30-2025 |  |  |  |  |  |  |  |  |  |  | 0 | 06-16-2025 | Not Eligible | 1.1 | 06-16-2025 |
| 843489 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 842545 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | REASONABLE | 05-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-19-2025 |
| 840837 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 06-02-2025 |
| 838742 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-07-2025 |
| 841026 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 34.67 | 34.67 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-09-2025 | Eligible |  |  |
| 842587 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 89.99 | 89.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 07-08-2025 |
| 842374 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-03-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 07-07-2025 |
| 840716 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 63.75 | 63.75 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0091 | 06-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843488 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841113 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | 55.07 | 55.07 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-25-2025 |
| 841149 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838400 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 76.83 | 76.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 842455 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 | Eligible | 1 | 07-02-2025 |
| 840601 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-12-2025 | AVM | xxxxxx | 22.77 | 75.65 | xxxxxx | xxxxxx | .0569 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0569 | 94.0 | 0.06 | Clear Capital | ClearAVM | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841325 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-23-2025 | Eligible | 1 | 06-23-2025 |
| 842336 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-23-2025 | Eligible | 1 | 06-23-2025 |
| 840010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 07-09-2025 |
| 841040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-27-2025 | Eligible | 1 | 06-27-2025 |
| 841182 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-03-2025 | Eligible |  |  |
| 842320 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 | Eligible | 1 | 07-02-2025 |
| 841311 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-12-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841199 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-20-2025 |
| 839935 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-15-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible | 1 | 07-14-2025 |
| 841121 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | 89.95 | 89.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

**EXHIBIT 99.16**

**CLArifii llc ("clarifii") executive summary**

![](tm2524220d1_ex99-16img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2025-8**

**By Clarifii LLC on August 22, 2025**

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2524220d1_ex99-16img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 382 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2025-8 transaction. The Loans referenced in this narrative report were reviewed between 08/2024 to 08/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;55 | &nbsp;&nbsp;14.40% | &nbsp;&nbsp;$34074528.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;123 | &nbsp;&nbsp;32.20% | &nbsp;&nbsp;$64785994.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;$775000.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;16 | &nbsp;&nbsp;4.19% | &nbsp;&nbsp;$5876641.00 |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;187 | &nbsp;&nbsp;48.95% | &nbsp;&nbsp;$105703826.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211215989.00** |

---

The Review consisted of a population of 382 Loans, with an aggregate principal balance of $211,215,989.00.

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

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

**LOAN** **SAMPLING**

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

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2524220d1_ex99-16img001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br>|
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;S&P Global Ratings |  |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA** **INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;B1 Country Name |
| &nbsp;&nbsp;B1 Credit Report Date |
| &nbsp;&nbsp;B1 Originator Citizenship Designation |
| &nbsp;&nbsp;B2 Originator Citizenship Designation |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm2524220d1_ex99-16img001.jpg)

---

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

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](tm2524220d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - Korean |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Condo Rider |
| &nbsp;&nbsp;Family Rider 1-4 |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Late Charge Grace Period |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Originator Name |
| &nbsp;&nbsp;Loan Originator NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](tm2524220d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Months Since Bankruptcy |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Other Rider |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;PUD Rider |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](tm2524220d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &nbsp;&nbsp;Underwriting Guideline Version Date |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](tm2524220d1_ex99-16img001.jpg)

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

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**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO** **REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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

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

**INDEPENDENT** **THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

&nbsp;&nbsp;&nbsp;&nbsp;· If the AVM (Automated Valuation Model) or AVE/CMA (Automated Valuation Estimate/
Comparative Market Analysis) supported the origination appraised value within -10% variance, no additional products were required.

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

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

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

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

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

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**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;163 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;186 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Exterior Only Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 |

---

*One loan in the population is multi-property and is not included in the table above. Please refer to the Clarifii Multi-Property Reports for valuation details.* 

 

**DUE DILIGENCE** **GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;276 | &nbsp;&nbsp;72.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;104 | &nbsp;&nbsp;27.23% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;278 | &nbsp;&nbsp;72.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;102 | &nbsp;&nbsp;26.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

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

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm2524220d1_ex99-16img001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;335 | &nbsp;&nbsp;87.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;47 | &nbsp;&nbsp;12.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;335 | &nbsp;&nbsp;87.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;47 | &nbsp;&nbsp;12.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;375 | &nbsp;&nbsp;98.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;377 | &nbsp;&nbsp;98.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](tm2524220d1_ex99-16img001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;320 | &nbsp;&nbsp;83.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;60 | &nbsp;&nbsp;15.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;320 | &nbsp;&nbsp;83.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;60 | &nbsp;&nbsp;15.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN** **SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;17 | &nbsp;&nbsp;4.45% | &nbsp;&nbsp;$17343049.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;365 | &nbsp;&nbsp;95.55% | &nbsp;&nbsp;$193872940.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211215989.00** |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](tm2524220d1_ex99-16img001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;202 | &nbsp;&nbsp;52.88% | &nbsp;&nbsp;$120905501.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.14% | &nbsp;&nbsp;$8150056.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;168 | &nbsp;&nbsp;43.98% | &nbsp;&nbsp;$82160432.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211215989.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;202 | &nbsp;&nbsp;52.88% | &nbsp;&nbsp;$88904198.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;180 | &nbsp;&nbsp;47.12% | &nbsp;&nbsp;$122311791.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211215989.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;322 | &nbsp;&nbsp;84.29% | &nbsp;&nbsp;$198963091.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;60 | &nbsp;&nbsp;15.71% | &nbsp;&nbsp;$12252898.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211215989.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;$90000.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.31% | &nbsp;&nbsp;$860300.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;371 | &nbsp;&nbsp;97.12% | &nbsp;&nbsp;$205558039.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.31% | &nbsp;&nbsp;$4707650.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211215989.00** |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm2524220d1_ex99-16img001.jpg)

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;29 | &nbsp;&nbsp;79.31% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;B1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;B2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;373 | &nbsp;&nbsp;98.39% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;377 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm2524220d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;177 | &nbsp;&nbsp;97.74% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;49 | &nbsp;&nbsp;95.92% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;67 | &nbsp;&nbsp;82.09% |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

![](tm2524220d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;27 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Condo Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Family Rider 1-4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;125 | &nbsp;&nbsp;93.60% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;310 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;7 | &nbsp;&nbsp;377 | &nbsp;&nbsp;98.14% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Late Charge Grace Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;312 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;13 | &nbsp;&nbsp;353 | &nbsp;&nbsp;96.32% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;379 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Originator Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Originator NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;4 | &nbsp;&nbsp;329 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;382 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;4 | &nbsp;&nbsp;9 | &nbsp;&nbsp;55.56% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;86 | &nbsp;&nbsp;97.67% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Months Since Bankruptcy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;76 | &nbsp;&nbsp;78.95% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;282 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;5 | &nbsp;&nbsp;380 | &nbsp;&nbsp;98.68% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;377 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Other Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

![](tm2524220d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;95 | &nbsp;&nbsp;97.89% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;14 | &nbsp;&nbsp;380 | &nbsp;&nbsp;96.32% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;7 | &nbsp;&nbsp;375 | &nbsp;&nbsp;98.13% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;76 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;378 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;68 | &nbsp;&nbsp;331 | &nbsp;&nbsp;79.46% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;6 | &nbsp;&nbsp;375 | &nbsp;&nbsp;98.40% |
| &nbsp;&nbsp;PUD Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;275 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;344 | &nbsp;&nbsp;96.22% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;15 | &nbsp;&nbsp;339 | &nbsp;&nbsp;95.58% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;275 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;364 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;54 | &nbsp;&nbsp;287 | &nbsp;&nbsp;81.18% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;12 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;144 | &nbsp;&nbsp;98.61% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;6 | &nbsp;&nbsp;180 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;275 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;342 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Version Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 25

![](tm2524220d1_ex99-16img001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

1. Narrative Report/Executive Summary

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplement Data Extract

9. Business Purpose Supplement Data Extract Report

10. Multi-Property Data Extract Report

11. Rating Agency Multi-Property Valuation Report.

**Disclaimer**

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

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

VERUS 2025-8 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 26

## Exhibit 99.17

**EXHIBIT 99.17**

**clarifii rating agency grades detail report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 817384 | xxxxxx C B A | Closed | xxxxxx | 2024-09-19 14:55 | 2025-05-13 12:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted, waiver applied with comp factors. Post-Close Drive-By appraisal obtained from licensed appraiser confirming economic life is 35 years. - Due Diligence Vendor-05/13/2025 <br>Open-Property Issues are identified for the property Subject property remaining economic life is 25 years. Exception received. - Due Diligence Vendor-09/19/2024 |  | Waived-Client exception granted, waiver applied with comp factors. Post-Close Drive-By appraisal obtained from licensed appraiser confirming economic life is 35 years. - Due Diligence Vendor-05/13/2025<br>| On time mortgage history exceeds guideline requirement - -10 financed properties with 0x30 history for life of loans and borrower has history of managing and owning 28 properties in their portfolio.<br>Qualifying FICO score is at least 20 points above minimum for program - 762>700<br>Long term residence - Residing in current residence since 2003 with acceptable mortgage rating. | Credit Score 30+ points > minimum required (700+)<br> Experienced investor owns and manages 5 or more properties for 12 months. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 820169 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 824305 | xxxxxx C A | Closed | xxxxxx | 2024-11-11 17:02 | 2024-11-13 17:47 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-After further review, subject property is the borrowers primary. Condition resolved. - Due Diligence Vendor-11/13/2024 <br> Open-Borrower information on 1003 is incomplete. Borrower's address for primary needs to checked if owned or no primary housing expense. In addition 1003 needs to reflect monthly taxes of xxxxxx , HOI of xxxxxx and flood of xxxxxx - Due Diligence Vendor-11/11/2024 |  | Resolved-After further review, subject property is the borrowers primary. Condition resolved. - Due Diligence Vendor-11/13/2024<br>| Qualifying DTI below maximum allowed - Maximum DTI is 50%; qualifying DTI is 47.75%.<br>LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 31.5%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 824305 | xxxxxx C A | Closed | xxxxxx | 2024-11-11 17:20 | 2024-11-13 17:46 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-After further review, OFAC is completed, Borrower and lender are clear- condition resolved. - Due Diligence Vendor-11/13/2024 <br>Open-OFAC Check Not Completed and/or Cleared for the borrower and Lender - Due Diligence Vendor-11/11/2024 |  | Resolved-After further review, OFAC is completed, Borrower and lender are clear- condition resolved. - Due Diligence Vendor-11/13/2024<br>| Qualifying DTI below maximum allowed - Maximum DTI is 50%; qualifying DTI is 47.75%.<br>LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 31.5%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831104 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 14:42 | 2025-06-27 11:36 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved--Received Funds wired directly to Title for Closing from Bank - Added to Assets then Deducted the amount from Bank - Sufficient Funds to Close and Sufficient Reserves - Due Diligence Vendor-08/12/2025 <br> Counter-Received rate lock-xxxxxx-reviewed to appropriate guidelines-assets do not meet 3.4.7.1. Original finding remains. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Our loan was locked prior to the guideline change for the funds needed to be in a xxxxxx Bank account. - Seller-06/19/2025 <br> Open--$228,726.43 short liquid funds to close bank accounts are foreign funds only can be used for reserves. funds would need to be deposited into xxxxxx bank acct within 10 days. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Our loan was locked prior to the guideline change for the funds needed to be in a xxxxxx Bank account. - Seller-06/19/2025 | Resolved--Received Funds wired directly to Title for Closing from Bank - Added to Assets then Deducted the amount from Bank - Sufficient Funds to Close and Sufficient Reserves - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - 88.07 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.019; minimum DSCR 0.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831296 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 13:59 | 2025-06-03 13:47 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Sufficient xxxxxx bond coverage provided. - Due Diligence Vendor-06/03/2025 <br> Counter-Seller: After some back and forth with the agent, they don't carry the xxxxxx policy or know if there is one. We've closed multiple loans in this HOA dating back to xxxxxx and looking through many of them none mention xxxxxx on the HOA certificate. Is this a new requirement? Please advise. - AUDIT RESPONE - Per xxxxxx DSCR 11/25/2024, guidelines state xxxxxx coverage to meet xxxxxx requirements. - Due Diligence Vendor-05/19/2025 <br> Open-xxxxxx Coverage not met. Missing evidence of xxxxxx insurance coverage equaling at least the sum of three months of assessments on all units in the project. - Due Diligence Vendor-05/05/2025 |  | Resolved-Sufficient xxxxxx bond coverage provided. - Due Diligence Vendor-06/03/2025 | Months Reserves exceed minimum required - 61.86 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831612 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 831704 | xxxxxx D A | Closed | xxxxxx | 2025-05-28 11:52 | 2025-07-03 08:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Missing most recent 2 months | Resolved-Document Uploaded. Proof of rental income of $1,475 and $1890 verified for March and April. - Due Diligence Vendor-07/03/2025 <br> Counter-Documentation does not reflect receipt of most recent 2 months rent payments of $1,475 and $1,890. Finding remains. - Due Diligence Vendor-07/01/2025 <br> Counter-Upon further review, Lender used more conservative income, . Still missing most recent 2 mos. proof of rent payments for both 1475.00 and 1890.00 - Due Diligence Vendor-06/23/2025 <br> Open-Per guides, the most recent two months of rent payment per lease agreement is required to properly evidence receipt of rental income. File contains 4 months of bank statements (Dec '24 - Mar '25); however, the statements do not support the rental income of $1,475 and 1890 as per lease agreement for the 3rd property and Property 4 of the cross collateral lender worksheet. Additional conditions may apply. - Due Diligence Vendor-05/28/2025 |  | Resolved-Document Uploaded. Proof of rental income of $1,475 and $1890 verified for March and April. - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - Borrower verified 7.48 months of PITIA reserves, 2 months minimum reserves required.<br>DSCR % greater than 1.20 - DSCR % is 1.353 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831704 | xxxxxx D A | Closed | xxxxxx | 2025-05-28 15:54 | 2025-06-11 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Complete settlement statement received. - Due Diligence Vendor-06/11/2025 <br>Open-Provide complete Settlement statement as missing pg 3 of the settlement statement in file. - Due Diligence Vendor-05/28/2025 |  | Resolved-Complete settlement statement received. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - Borrower verified 7.48 months of PITIA reserves, 2 months minimum reserves required.<br>DSCR % greater than 1.20 - DSCR % is 1.353 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831704 | xxxxxx D A | Closed | xxxxxx | 2025-05-28 16:48 | 2025-06-02 13:33 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Cross collateral worksheet provided. - Due Diligence Vendor-06/02/2025 <br>Counter-Received approval-reviewer is unable to open cross collateral worksheet-please re upload. - Due Diligence Vendor-05/30/2025 <br>Open-Approval/Underwriting Summary Partially Provided Provide an updated cross collateral worksheet with correct P&I; interest rate and DSCR. - Due Diligence Vendor-05/28/2025 |  | Resolved-Cross collateral worksheet provided. - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Borrower verified 7.48 months of PITIA reserves, 2 months minimum reserves required.<br>DSCR % greater than 1.20 - DSCR % is 1.353 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831960 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 10:38 | 2025-05-28 10:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Client exception granted Rent free letter for co borrower, waiver applied with compactors - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see the attached Exception Request Report. Our pre-close exception team had reviewed and granted exception as provided for B2. - Buyer-05/27/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing rent free letter from Borrower 2 - Due Diligence Vendor-05/16/2025 |  | Waived-Client exception granted Rent free letter for co borrower, waiver applied with compactors - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Min 2, actual 122 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 807 | DSCR>=1.15<br> Subject homeownership >2 years<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 831960 | xxxxxx D B A | Closed | xxxxxx | 2025-05-15 11:40 | 2025-05-28 10:44 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please find the Approval attached - Buyer-05/27/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/15/2025 |  | Resolved-Received approval. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Min 2, actual 122 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 807 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831960 | xxxxxx D B A | Closed | xxxxxx | 2025-05-15 11:33 | 2025-05-28 10:43 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM report. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see the DRIVE Report which includes the Undisclosed Debt Monitoring. - Seller-05/27/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see the DRIVE Report which includes the Undisclosed Debt Monitoring. - Seller-05/27/2025 | Resolved-Received UDM report. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Min 2, actual 122 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 807 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831960 | xxxxxx D B A | Closed | xxxxxx | 2025-05-15 11:33 | 2025-05-28 10:43 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see the DRIVE Report which includes the Undisclosed Debt Monitoring. - Seller-05/27/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see the DRIVE Report which includes the Undisclosed Debt Monitoring. - Seller-05/27/2025 | Resolved-Received UDM. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Min 2, actual 122 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 807 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831960 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 10:14 | 2025-05-16 10:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Also have satisfactory housing history for B1 - Due Diligence Vendor-05/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements EXCEPTION in file for no housing history for Borrower 2<br> - Due Diligence Vendor-05/16/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Also have satisfactory housing history for B1 - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - Min 2, actual 122 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 807 | DSCR > 1.15<br> Subject property home ownership > 2 years<br> Current primary home ownership > 2 years<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832338 | xxxxxx C B A | Closed | xxxxxx | 2025-03-20 20:08 | 2025-03-27 11:22 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received revised Appraisal. Appraiser states no impact on subject or marketability. - Due Diligence Vendor-03/27/2025 <br> Open-xxxxxx Incident Period: xxxxxx Declaration Date: xxxxxx. Per guidelines the appraiser must comment on the adverse event and certify that there has been no change in the valuation. - Due Diligence Vendor-03/21/2025 |  | Resolved-Received revised Appraisal. Appraiser states no impact on subject or marketability. - Due Diligence Vendor-03/27/2025<br>| CLTV is less than guidelines maximum - Guidelines allow LTV to 85%. Subject loan LTV is 52.72%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832338 | xxxxxx C B A | Closed | xxxxxx | 2025-03-18 11:58 | 2025-03-26 11:05 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/18/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 | CLTV is less than guidelines maximum - Guidelines allow LTV to 85%. Subject loan LTV is 52.72%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832338 | xxxxxx C B A | Closed | xxxxxx | 2025-03-20 20:08 | 2025-03-21 05:50 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Client waiver applied to non material finding with comp factors. Deemed non material public only. - Due Diligence Vendor-03/21/2025 <br> Open-xxxxxx Incident Period: xxxxxx Declaration Date: xxxxxx - PUBLIC - Due Diligence Vendor-03/21/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material public only. - Due Diligence Vendor-03/21/2025<br>| CLTV is less than guidelines maximum - Guidelines allow LTV to 85%. Subject loan LTV is 52.72%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833162 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833459 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 13:37 | 2025-06-06 09:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation of no affiliates. - Due Diligence Vendor-06/06/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-05/28/2025 |  | Resolved-Received lender attestation of no affiliates. - Due Diligence Vendor-06/06/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 44.42 is less than the guideline max of 85.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833459 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 11:49 | 2025-05-28 13:38 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material findings. - Due Diligence Vendor-05/28/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material findings. - Due Diligence Vendor-05/28/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 44.42 is less than the guideline max of 85.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833708 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 10:29 | 2025-07-16 10:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors - Due Diligence Vendor-07/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Have mortgage statement and credit supplement, request exception to allow without 6 months proof of receipt of payments.<br> - Due Diligence Vendor-07/09/2025 |  | Waived-Client exception granted, waiver applied with comp factors - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 700 ; minimum score 660.<br>Long term residence - Borrower in current primary over 5 years. | Employed at same job over 10 yrs.<br> DTI<36% and current primary owner over 5 years. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833708 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 08:58 | 2025-07-15 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/15/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-07/09/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 700 ; minimum score 660.<br>Long term residence - Borrower in current primary over 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833708 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 12:00 | 2025-07-11 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property profile report confirming 2nd lien released. - Due Diligence Vendor-07/11/2025 <br> Open-Per property profile, the borrowers primary residence has potenital subbordinate liens thatt were not included in the DTI calculations. Confirm there are no additional liens on the borrowers primary residence. If additional liens present include the payment in the DTI calculation and confirm DTI is within guidelines. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received property profile report confirming 2nd lien released. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 700 ; minimum score 660.<br>Long term residence - Borrower in current primary over 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833801 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 16:58 | 2025-06-11 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received LOE reflecting additional refinance. - Due Diligence Vendor-06/11/2025 <br> Open-Borrower answered Yest to question D.1 on Declarations - Have you or will you apply for a mortgage on another property on or before closing of this transaction?<br> No letter of explanation received - Due Diligence Vendor-05/30/2025 |  | Resolved-Received LOE reflecting additional refinance. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 115.79 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 685 FICO; 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833801 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 15:50 | 2025-06-06 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/06/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - required on a cash-out transaction - Due Diligence Vendor-05/30/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - 115.79 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 685 FICO; 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833801 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 15:48 | 2025-06-03 12:11 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan approval - Due Diligence Vendor-06/03/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/30/2025 |  | Resolved-Received loan approval - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - 115.79 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 685 FICO; 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833954 | xxxxxx D B A | Closed | xxxxxx | 2025-04-14 13:23 | 2025-05-19 11:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-The request for an exception to xxxxxx eligibility criteria is granted for credit score. Non-material as borrower meets all other FTI requirements and 50% LTV. - Due Diligence Vendor-05/19/2025 <br> Open-Audited FICO of 663 is less than Guideline FICO of 700 First time investors are allowed provided that the DSCR is >1.0 and the Credit score is >700. Missing exception for credit score - Due Diligence Vendor-04/14/2025 |  | Waived-The request for an exception to Verus's eligibility criteria is granted for credit score. Non-material as borrower meets all other FTI requirements and 50% LTV. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - 17 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50% LTV. Allowed 75% | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833954 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 16:01 | 2025-05-16 10:21 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Manual upload to xxxxxx. - Buyer-05/15/2025 <br> Counter-Desk Review provided does not disclose the subjects Unit Number. - Due Diligence Vendor-04/28/2025 <br> Open-Additional valuation product has not been provided. Missing Additional valuation product. - Due Diligence Vendor-04/11/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - 17 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833954 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 16:14 | 2025-05-15 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud for all participants. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Participant's List includes xxxxxx - Seller-05/14/2025 <br> Counter-Fraud report with Originator provided, however the Title Agent is not included. Finding remains. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Manually uploaded to xxxxxx. - Seller-05/12/2025 <br> Counter-Fraud report was not attached. Please re-attached. - Due Diligence Vendor-05/07/2025 <br> Counter-Fraud Report provided did not include the Originator and Title agent. - Due Diligence Vendor-04/28/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Participant's List includes xxxxxx - Seller-05/14/2025 <br> Ready for Review-Document Uploaded. Manually uploaded to xxxxxx. - Seller-05/12/2025 | Resolved-Received Fraud for all participants. - Due Diligence Vendor-05/15/2025<br>| Months Reserves exceed minimum required - 17 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833954 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 16:34 | 2025-04-28 11:24 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-04/28/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/11/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - 17 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833962 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834140 | xxxxxx C A | Closed | xxxxxx | 2025-05-12 11:07 | 2025-05-16 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Fraud reports provided and OFAC searches. - Due Diligence Vendor-05/16/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Third Party Fraud Report in file incomplete. All Interested Parties Not Checked with Exclusionary Lists. - Due Diligence Vendor-05/12/2025 |  | Resolved-Fraud reports provided and OFAC searches. - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 794. Per guides, minimum score required 700.<br>Months Reserves exceed minimum required - 128 mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834140 | xxxxxx C A | Closed | xxxxxx | 2025-05-13 12:29 | 2025-05-14 11:32 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-After further review, the lender does not have a rate restriction. - Due Diligence Vendor-05/14/2025 <br> Open-In xxxxxx, fixed rate when closing in LLC or as individual, permitted if interest rate is equal to or less than 6%. Per Note, rate is 6.75% - Due Diligence Vendor-05/13/2025 |  | Resolved-After further review, the lender does not have a rate restriction. - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 794. Per guides, minimum score required 700.<br>Months Reserves exceed minimum required - 128 mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834209 | xxxxxx D B A | Closed | xxxxxx | 2025-05-07 08:46 | 2025-08-19 15:36 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--AVM provided does not support value within 10%. Field Review obtained which supports value. Waiver applied to non-material findings. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Counter-Secondary valuation provided does not reflect acceptable FSD score and not within 90% of value. The AVM provided is also dated after the closing and has a variance > -10% . Therefore a desk review product, field review or 2nd appraisal is required to support the original value - Due Diligence Vendor-05/20/2025 <br>Open-Additional valuation product has not been provided. Secondary valuation product required in every file - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Waived--AVM provided does not support value within 10%. Field Review obtained which supports value. Waiver applied to non-material findings. - Due Diligence Vendor-08/19/2025<br>| Long term residence - 30 years at subject property<br>CLTV is less than guidelines maximum - CLTV of 66.04%is below the maximum of 75% allowed per guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 834234 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834340 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835255 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-02 10:07 | 2025-07-14 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received missing bank Statement. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. In addition to the seller commentary below, they have provided the attached bank statement. - Buyer-07/11/2025 <br> Ready for Review-Loading lender commentary directly to xxxxxx as the push from xxxxxx on xxxxxx doesn't appear to have gone thru........While the statement covering 03/01/2024 to 03/20/2024 may be missing, it does not negatively impact the income analysis. <br>The income calculation remains sufficient based on the available statements, and we acknowledge that deposits from the missing period have not been included in the final calculation.<br> Please kindly reconsider this condition based on the above. - Seller-07/09/2025 <br> Open-Missing 12th bank statements for 12-month bank statement documentation type. Borrower changed from Personal Account to Business Account in August of 2024. A statement from each account was provided but the period covered is still less than 12-months. One additional consecutive month is required along with Originator's income calculation worksheet. Additional findings may apply. - Due Diligence Vendor-06/02/2025 | Ready for Review-Loading lender commentary directly to xxxxxx as the push from xxxxxx on xxxxxx doesn't appear to have gone thru........While the statement covering 03/01/2024 to 03/20/2024 may be missing, it does not negatively impact the income analysis. <br>The income calculation remains sufficient based on the available statements, and we acknowledge that deposits from the missing period have not been included in the final calculation.<br> Please kindly reconsider this condition based on the above. - Seller-07/09/2025 | Resolved-Received missing bank Statement. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 680<br>Months Reserves exceed minimum required - 31.37 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835255 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-02 09:51 | 2025-07-09 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, the loan file contains sufficient income/employment verification. - Due Diligence Vendor-07/09/2025 <br> Counter-Employment to reflect source of income-with complete history-original finding remains - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. The CPA letter clearly states that the current employment listed on the 1003 pays the borrower's LLC via 1099, and that this client is the LLCs sole source of income. The LLC was created solely for tax purposes. Thus, the employment information provided on the final 1003 remains accurate and valid.<br> Based on this, we respectfully request that this condition be waived. - Buyer-06/16/2025 <br> Open-Missing final 1003 showing correct employment information and history. Per CPA borrower is 1099'd with a company but was self-employed as an individual and then under an LLC. - Due Diligence Vendor-06/02/2025 |  | Resolved-Upon further review, the loan file contains sufficient income/employment verification. - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 680<br>Months Reserves exceed minimum required - 31.37 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835255 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-02 10:07 | 2025-07-09 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received updated 1008 and 1003 excluding xxxxxx and cash deposits. - Due Diligence Vendor-07/09/2025 <br> Counter-Client Comments - "The CPA letter clearly states that the current employment listed on the 1003 pays the borrower's LLC via 1099, and that this client is the LLCs sole source of income. The LLC was created solely for tax purposes. Thus, the employment information provided on the final 1003 remains accurate and valid. Based on this, we respectfully request that this condition be waived." - AUDIT RESPONSE - Please address the the following deposits represent a change in deposit pattern (not in line with direct deposits from the 1099 employer): All xxxxxx payments from xxxxxx and xxxxxx, Remote Online Deposit $153.71 on 11/12/24, Deposit $6k on 08/01, and Remote Online Deposit $200 on 08/01. Additional findings may apply. - Due Diligence Vendor-07/03/2025 <br> Open-Missing source documentation for deposits used towards qualifying. Per CPA letter borrower is 1099 employee with xxxxxx. The following deposits represent a change in deposit pattern (not in line with direct deposits from the 1099 employer): All xxxxxx payments from xxxxxx and xxxxxx, Remote Online Deposit $153.71 on 11/12/24, Deposit $6k on 08/01, and Remote Online Deposit $200 on 08/01. Additional findings may apply. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received updated 1008 and 1003 excluding xxxxxx and cash deposits. - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 680<br>Months Reserves exceed minimum required - 31.37 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835255 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-02 09:55 | 2025-06-11 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised report reflecting as PUD with HOA dues matching. - Due Diligence Vendor-06/11/2025 <br> Open-Property Issues are identified for the property Per title subject is located in a PUD. Appraisal completed as a xxxxxx Detached and does not reflect the $81 per month HOA dues the Originator qualified the loan with. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received revised report reflecting as PUD with HOA dues matching. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 680<br>Months Reserves exceed minimum required - 31.37 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835255 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-30 09:43 | 2025-06-11 09:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx. - Due Diligence Vendor-06/11/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $2100.00 (Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2100.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received COC xxxxxx. - Due Diligence Vendor-06/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 680<br>Months Reserves exceed minimum required - 31.37 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835255 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-30 09:18 | 2025-05-30 09:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 680<br>Months Reserves exceed minimum required - 31.37 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835348 | xxxxxx D A | Closed | xxxxxx | 2025-05-20 09:30 | 2025-06-10 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received security instrument and rider-signed and witnessed. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-Reviewer is unable to open attachment dated 5/30-please re upload. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-The Deed of Trust is Missing Missing deed of trust to subject property; loan file contained DOT for other REO's not the subject property. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Received security instrument and rider-signed and witnessed. - Due Diligence Vendor-06/10/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 392 months of reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835348 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 08:49 | 2025-06-10 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-After further review, the loan agreement is not required. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Missing Loan Agreement for subject loan. Loan Agreement provided was for another REO borrower recently purchased. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-After further review, the loan agreement is not required. - Due Diligence Vendor-06/10/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 392 months of reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835348 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 08:49 | 2025-06-10 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-Documentation is insufficient-original finding remains-Missing Guaranty Agreement for subject loan. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement for subject loan. Guaranty Agreement provided was for another REO borrower recently purchased. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Received guaranty agreement - Due Diligence Vendor-06/10/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 392 months of reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835348 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 08:45 | 2025-06-06 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received correct final 1003 - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-Reviewer is unable to open upload dated 5/30-please re upload. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-Missing final 1003 with correct subject property address. 1003 provided was for another REO purchased by the borrower. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Received correct final 1003 - Due Diligence Vendor-06/06/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 392 months of reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835348 | xxxxxx D A | Closed | xxxxxx | 2025-05-20 09:49 | 2025-06-06 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final CD - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-Reviewer is unable to open upload dated 5/30--please re upload. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing final CD and/or HUD1 for subject property. Closing costs / reserve requirements to be reviewed once received. Additional conditions may apply. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Received final CD - Due Diligence Vendor-06/06/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 392 months of reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835352 | xxxxxx C A | Closed | xxxxxx | 2025-05-21 13:31 | 2025-06-03 16:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received source of EMDs and bank statements reflecting sufficient assets for closing and reserves. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Assets not provided in the loan file. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Received source of EMDs and bank statements reflecting sufficient assets for closing and reserves. - Due Diligence Vendor-06/03/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 67.57 months reserves exceed minimum guideline required of 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835352 | xxxxxx C A | Closed | xxxxxx | 2025-05-21 13:27 | 2025-06-03 16:49 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received source of EMDs and bank statements reflecting sufficient assets for closing and reserves. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-see documents uploaded on other condition - Seller-05/30/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-252190.38'. Assets are Insufficient. Assets not provided in the loan file. - Due Diligence Vendor-05/21/2025 | Ready for Review-see documents uploaded on other condition - Seller-05/30/2025<br>| Resolved-Received source of EMDs and bank statements reflecting sufficient assets for closing and reserves. - Due Diligence Vendor-06/03/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 67.57 months reserves exceed minimum guideline required of 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835352 | xxxxxx C A | Closed | xxxxxx | 2025-05-21 13:25 | 2025-06-03 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing fraud report showing all parties to the subject transaction. Appears the fraud report in file is the initial report only includes, buyer, seller and originator. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Received complete fraud report. - Due Diligence Vendor-06/03/2025<br>| Long term residence - Per 1003 B1 living in primary home for 20 years. <br>Months Reserves exceed minimum required - 67.57 months reserves exceed minimum guideline required of 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835453 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-19 10:48 | 2025-07-29 14:05 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Investor guides allow for 1x30 and without additional information provided we would be max 1x30 potentially therefore finding is deemed non-material. Investor waiver applied to non-material findings with comp factors - Due Diligence Vendor-07/29/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing updated mortgage rating/reference for mortgage on subject property through xxxxxx (payoff statement in file to 5/31 shows "Fees" that were not on the 4/30 payoff statement. Need to ensure no late payments) - Due Diligence Vendor-06/19/2025 |  | Waived-Investor guides allow for 1x30 and without additional information provided we would be max 1x30 potentially therefore finding is deemed non-material. Investor waiver applied to non-material findings with comp factors - Due Diligence Vendor-07/29/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x23<br> LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835453 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-14 14:30 | 2025-07-21 09:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 <br> Counter- - Due Diligence Vendor-07/21/2025 <br> Counter-Received PCCD xxxxxx with a refund of $7166.89 added to the Payoffs and Payments section. However, High-Cost cannot be cured. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Counter-Received LOX, copy of $7,166.89 check and evidence of delivery, missing required PCCD for testing purposes. High Cost is not curable and will remain a terminal material level 3 finding. - Due Diligence Vendor-06/30/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. Tolerance violation exceeds allowable by $4936.11. May be curable with evidence of refund to borrower, PCCD, LOE and evidence of delivery - Due Diligence Vendor-06/16/2025 |  | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 | On time mortgage history exceeds guideline requirement - 0x30x23<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835453 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-14 14:30 | 2025-07-21 09:12 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 <br> Counter- - Due Diligence Vendor-07/21/2025 <br> Counter-Received PCCD xxxxxx with a refund of $7166.89 added to the Payoffs and Payments section. However, High-Cost cannot be cured. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Counter-The disclosures are required to be delivered to the borrower a minimum of 3 days prior to consummation and they were not. These are terminal level 3 findings and will remain level 3. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/30/2025 <br> Counter-Received LOX, copy of check and evidence of delivery, missing required PCCD for testing purposes. High Cost is not curable and will remain a terminal material level 3 finding. - Due Diligence Vendor-06/30/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. Missing High-Cost Mortgage timing of Disclosure. - Due Diligence Vendor-06/16/2025 |  | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 | On time mortgage history exceeds guideline requirement - 0x30x23<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835453 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-14 14:30 | 2025-07-21 09:12 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 <br> Counter- - Due Diligence Vendor-07/21/2025 <br> Counter-Received PCCD xxxxxx with a refund of $7166.89 added to the Payoffs and Payments section. However, High-Cost cannot be cured. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Counter-The disclosures are required to be delivered to the borrower a minimum of 3 days prior to consummation and they were not. These are terminal level 3 findings and will remain level 3. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/30/2025 <br> Counter-Received LOX, copy of check and evidence of delivery, missing required PCCD for testing purposes. High Cost is not curable and will remain a terminal material level 3 finding. - Due Diligence Vendor-06/30/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a xxxxxx loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the xxxxxx or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-06/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/30/2025 | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 | On time mortgage history exceeds guideline requirement - 0x30x23<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835453 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-14 14:30 | 2025-07-21 09:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 <br> Counter- - Due Diligence Vendor-07/21/2025 <br> Counter-Received PCCD xxxxxx with a refund of $7166.89 added to the Payoffs and Payments section. However, High-Cost cannot be cured. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Counter-Received LOX, copy of check and evidence of delivery, missing required PCCD for testing purposes. High Cost is not curable and will remain a terminal material level 3 finding. - Due Diligence Vendor-06/30/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-06/14/2025 |  | Resolved-Received PCCD xxxxxx with correction to fee entry. Loan is not high-cost. - Due Diligence Vendor-07/21/2025 | On time mortgage history exceeds guideline requirement - 0x30x23<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835453 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-19 10:49 | 2025-06-19 10:50 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/19/2025 <br>Open-EXCEPTION in file to allow the 1099 to be issued his entity vs 1099s must be issued to an individual and not a business. - Due Diligence Vendor-06/19/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/19/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x23<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Reserves exceed requirement by 2 months or more<br> - Residual income more than 1.5x the amount required by guidelines<br>| Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835498 | xxxxxx C A | Closed | xxxxxx | 2025-05-22 09:20 | 2025-05-28 09:54 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received appraiser commentary confirming no impact. - Due Diligence Vendor-05/28/2025 <br> Open-xxxxxx and xxxxxx<br> Incident Period: xxxxxx<br> Major Disaster Declaration declared on xxxxxx<br> No comment was noted by Appraiser<br> - Due Diligence Vendor-05/22/2025 |  | Resolved-Received appraiser commentary confirming no impact. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - 126 months available vs. 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min of 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835635 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835669 | xxxxxx C A | Closed | xxxxxx | 2025-05-19 08:18 | 2025-07-18 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved--xxxxxx photos show there is no xxxxxx. - Due Diligence Vendor-07/18/2025 <br> Counter-Documentation is insufficient-missing confirmation from appraiser no xxxxxx up in based to confirm not considered ADU. - Due Diligence Vendor-07/03/2025 <br> Counter-Received revision report xxxxxx-appraiser indicates SFR with ADU-comments reflect not considered xxxxxx. Appraiser notes xxxxxx. - Due Diligence Vendor-06/16/2025 <br> Open-Property Issues are identified for the property Appraiser incorrectly accounted for the ADU on the grid and subject has possible multiple ADUs. - Due Diligence Vendor-05/19/2025 |  | Resolved--xxxxxx photos show there is no xxxxxx. - Due Diligence Vendor-07/18/2025 | LTV is less than guideline maximum - Qualifying LTV 48.68%; max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807; minimum required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835669 | xxxxxx C A | Closed | xxxxxx | 2025-05-19 08:18 | 2025-07-18 14:22 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved--xxxxxx photos show there is no xxxxxx. - Due Diligence Vendor-07/18/2025 <br> Counter-Documentation is insufficient-missing confirmation from appraiser xxxxxx up in based to confirm not considered ADU. - Due Diligence Vendor-07/03/2025 <br> Counter-Received revision report xxxxxx-appraiser indicates SFR with ADU-comments reflect not considered xxxxxx. Appraiser notes xxxxxx. - Due Diligence Vendor-06/16/2025 <br> Open-Appraiser to (1) correct grid; appraiser comments it is standard practice for Conventional loans to include the GLA for an ADU into the primary xxxxxx, but it is not. The Primary Dwelling and ADU GLA must be separated out on the grid and appropriate adjustments made. (2) define which floor(s) are an ADU. Appraiser provides photos of xxxxxx within the subject. xxxxxx so it must be considered an ADU. (3) comment if xxxxxx; must provide alternative views of the xxxxxx to show all angles (4) comment if xxxxxx have independent access from one another where they each may have expectation of privacy (all means of ingress/egress) (5) label xxxxxx photos based on which floor they are on (6) support C3 condition when xxxxxx and how the lack of updates for an xxxxxx were accounted for in adjustments (7) Additional findings may apply. - Due Diligence Vendor-05/19/2025 |  | Resolved--xxxxxx photos show there is no xxxxxx. - Due Diligence Vendor-07/18/2025 | LTV is less than guideline maximum - Qualifying LTV 48.68%; max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807; minimum required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835669 | xxxxxx C A | Closed | xxxxxx | 2025-05-19 08:24 | 2025-06-16 11:17 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: An ATR/QM Residual Income Analysis was not provided | Resolved-Received 1008 reflecting residual income calculation. - Due Diligence Vendor-06/16/2025 <br>Open-ATR: An ATR/QM Residual Income Analysis was not provided Missing residual income calculation on 1008. - Due Diligence Vendor-05/19/2025 |  | Resolved-Received 1008 reflecting residual income calculation. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - Qualifying LTV 48.68%; max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807; minimum required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835669 | xxxxxx C A | Closed | xxxxxx | 2025-05-19 07:45 | 2025-05-30 11:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, the loan file contained all required signatures on CPA letter received. - Due Diligence Vendor-05/30/2025 <br>Open-CPA letter and CPA prepared P&L show a typed signature for the CPA. Provide a copy of the e-signature security certificate for both documents or a copy of the wet-signed documents. - Due Diligence Vendor-05/19/2025 |  | Resolved-Upon further review, the loan file contained all required signatures on CPA letter received. - Due Diligence Vendor-05/30/2025<br>| LTV is less than guideline maximum - Qualifying LTV 48.68%; max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807; minimum required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835669 | xxxxxx C A | Closed | xxxxxx | 2025-05-19 07:48 | 2025-05-30 11:35 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required citizen documentation. - Due Diligence Vendor-05/30/2025 <br>Open-Unable to determine EAD Category C14 is with the same employer as on the application. - Due Diligence Vendor-05/19/2025 |  | Resolved-Upon further review, the loan file contained all required citizen documentation. - Due Diligence Vendor-05/30/2025<br>| LTV is less than guideline maximum - Qualifying LTV 48.68%; max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807; minimum required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835669 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 14:23 | 2025-05-28 11:26 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received evidence of delivery of CD xxxxxx. - Due Diligence Vendor-05/28/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,202.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,850.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Borrower to acknowledge CD dated xxxxxx.<br> - Due Diligence Vendor-05/15/2025 |  | Resolved-Received evidence of delivery of CD xxxxxx. - Due Diligence Vendor-05/28/2025 | LTV is less than guideline maximum - Qualifying LTV 48.68%; max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807; minimum required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835669 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 14:23 | 2025-05-28 11:26 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received evidence of delivery of CD xxxxxx. - Due Diligence Vendor-05/28/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----Borrower to acknowledge CD dated xxxxxx.<br> - Due Diligence Vendor-05/15/2025 |  | Resolved-Received evidence of delivery of CD xxxxxx - Due Diligence Vendor-05/28/2025 | LTV is less than guideline maximum - Qualifying LTV 48.68%; max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807; minimum required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835672 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835700 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 08:07 | 2025-04-30 08:09 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The loan was locked on xxxxxx - The lender announcement dated xxxxxx does not apply. - Due Diligence Vendor-04/30/2025 <br> Open-DSCR < 1.0 is not allowed with a First Time Investor, per announcement dated xxxxxx. - Due Diligence Vendor-04/29/2025 |  | Resolved-The loan was locked on xxxxxx - The lender announcement dated xxxxxx does not apply. - Due Diligence Vendor-04/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 807<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 123m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835707 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 16:22 | 2025-07-08 16:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $14.58.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -------Zero (0%) tolerance fees increased by $14.58 (Credit Report - Lender Paid) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $14.58, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - Borrower has 17.73 months of reserves and only needs 9 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 734 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 835707 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 15:32 | 2025-06-30 15:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/30/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Borrower has 17.73 months of reserves and only needs 9 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 734 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835713 | xxxxxx D A | Closed | xxxxxx | 2025-05-27 12:06 | 2025-05-30 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-Upon further review, the overlay applied to only warrantable condos. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-this is only for warrantable condos - this is a non- warrantable - Seller-05/27/2025 <br> Open-Subject's xxxxxx is less than the 500 square feet minimum required by the Client's overlay. Client overlay requires a full xxxxxx. Subject is a xxxxxx, includes a xxxxxx. - Due Diligence Vendor-05/27/2025 | Ready for Review-this is only for warrantable condos - this is a non- warrantable - Seller-05/27/2025<br>| Resolved-Upon further review, the overlay applied to only warrantable condos. - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - 9.73 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max is 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835713 | xxxxxx D A | Closed | xxxxxx | 2025-05-27 11:50 | 2025-05-30 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure was provided. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing BP Cert - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-The Business Purpose Affidavit Disclosure was provided. - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - 9.73 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max is 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835713 | xxxxxx D A | Closed | xxxxxx | 2025-05-27 12:17 | 2025-05-30 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Property report reflected the borrower has no ownership of this property.<br> - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-missing LOX for xxxxxx, address on contact consent form. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Property report reflected the borrower has no ownership of this property.<br> - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - 9.73 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max is 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835803 | xxxxxx D A | Closed | xxxxxx | 2025-05-27 10:29 | 2025-06-03 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/03/2025<br>| LTV is less than guideline maximum - LTV 70% max LTV 75%.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.0128; minimum DSCR 0.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835808 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 11:40 | 2025-05-23 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit - DSCR loan - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 17.51 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835851 | xxxxxx C A | Closed | xxxxxx | 2025-05-13 12:11 | 2025-05-30 11:20 | Resolved | 1 - Information C A | Credit | Borrower | Clarification of Application Date | Resolved-Received dated initial application. - Due Diligence Vendor-05/30/2025 <br>Open--Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-05/13/2025 |  | Resolved-Received dated initial application. - Due Diligence Vendor-05/30/2025<br>| Long term residence - 23 years in primary residence<br>LTV is less than guideline maximum - 70% LTV, program allows 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836238 | xxxxxx C A | Closed | xxxxxx | 2025-05-22 15:15 | 2025-06-06 11:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received correct security instrument and intent to re record. - Due Diligence Vendor-06/06/2025 <br>Open-The loan closed in an LLC however the signature on the DOT +Riders does not include the LLC name. Please provide a corrected and executed DOT +Riders and Lenders letter of Intent to re-record. - Due Diligence Vendor-05/22/2025 |  | Resolved-Received correct security instrument and intent to re record. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 737; guideline minimum is 660. <br>Months Reserves exceed minimum required - The Borrower has 83.07 months in reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836238 | xxxxxx C A | Closed | xxxxxx | 2025-05-16 11:27 | 2025-05-21 10:57 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI Policy w/sufficient Coverage. - Due Diligence Vendor-05/21/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Missing Structural Coverage. - Due Diligence Vendor-05/16/2025 |  | Resolved-Received HOI Policy w/sufficient Coverage. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 737; guideline minimum is 660. <br>Months Reserves exceed minimum required - The Borrower has 83.07 months in reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836404 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836432 | xxxxxx C B A | Closed | xxxxxx | 2025-06-16 08:02 | 2025-06-16 15:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Use of 10 mo STR history (since purchased) vs 12mo STR history via rental service statement. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/16/2025 |  | Waived-Use of 10 mo STR history (since purchased) vs 12mo STR history via rental service statement. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/16/2025<br>| Credit history exceeds minimum required - Credit Score 30 plus points greater minimum required. <br>On time mortgage history exceeds guideline requirement - 0x30 for 48 months on all mortgages | Credit Score 30 plus points greater minimum required.<br> 0x30 for 48 months on all mortgages<br> Reserves exceeds requirment by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 836432 | xxxxxx C B A | Closed | xxxxxx | 2025-06-16 08:04 | 2025-06-16 15:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-xxxxxx must have a xxxxxx and Allow xxxxxx with xxxxxx Vs 500 sq ft min. <br> Client exception provided and in file. Waiver applied with comp factors. Exceptions deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-06/16/2025 |  | Waived-xxxxxx must have a dedicated xxxxxx and Allow xxxxxx with xxxxxx Vs 500 sq ft min. <br> Client exception provided and in file. Waiver applied with comp factors. Exceptions deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-06/16/2025 | Credit history exceeds minimum required - Credit Score 30 plus points greater minimum required. <br>On time mortgage history exceeds guideline requirement - 0x30 for 48 months on all mortgages | Credit Score 30 plus points greater minimum required.<br> 0x30 for 48 months on all mortgages<br> Reserves exceed requirement by 10 mo's or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 836432 | xxxxxx C B A | Closed | xxxxxx | 2025-06-16 07:58 | 2025-06-16 15:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% 70.00 LTV vs Guideline of max 65% LTV<br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-06/16/2025 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% 70.00 LTV vs Guideline of max 65% LTV<br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-06/16/2025<br>| Credit history exceeds minimum required - Credit Score 30 plus points greater minimum required. <br>On time mortgage history exceeds guideline requirement - 0x30 for 48 months on all mortgages | Credit Score 30 plus points greater minimum required.<br> 0x30 for 48 months on all mortgages<br> Reserves exceeds requirment by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 836488 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836608 | xxxxxx D B A | Closed | xxxxxx | 2025-05-29 18:07 | 2025-07-24 16:33 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-LOE received from Borrower that they did not open account with xxxxxx – Inquiry xxxxxx. Not showing up on UDM pulled xxxxxx. Lender and Audit still included debt in DTI. Low DTI with xxxxxx = 11.27% with Max 50% - Due Diligence Vendor-07/24/2025 <br> Counter-Please provide verification of the terms for the new xxxxxx account. - Due Diligence Vendor-06/20/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Bankruptcy and xxxxxx inquiries were not addressed at originations. File include debt that is undetermined as personal or business debt. - Due Diligence Vendor-05/30/2025 |  | Resolved-LOE received from Borrower that they did not open account with xxxxxx – Inquiry xxxxxx. Not showing up on UDM pulled xxxxxx. Lender and Audit still included debt in DTI. Low DTI with xxxxxx = 11.27% with Max 50% - Due Diligence Vendor-07/24/2025 | Qualifying DTI below maximum allowed - MAx DTI 50% / Borrower DTI <12%<br>Long term residence - 8 years in primary residence |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836608 | xxxxxx D B A | Closed | xxxxxx | 2025-05-30 10:14 | 2025-06-20 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Bankruptcy History does not meet guidelines | Resolved-Upon further review, the referenced document is for delinquent taxes. - Due Diligence Vendor-06/20/2025 <br> Open-Borrower bankruptcy selected, check guidelines. \*\*\* File also indicate a Bankruptcy that what appears to be a part of the Business that is less than a year, although the guidelines appear to be silent on a Business.. using UW discretion, would not qualify with a business resolving a bankruptcy less than one year using the guideline that is clear on all bankruptcies must be settled a minimum of 12 months. Document pg 677 indicate date closed of xxxxxx with note date of xxxxxx. - Due Diligence Vendor-05/30/2025 |  | Resolved-Upon further review, the referenced document is for delinquent taxes. - Due Diligence Vendor-06/20/2025<br>| Qualifying DTI below maximum allowed - MAx DTI 50% / Borrower DTI <12%<br>Long term residence - 8 years in primary residence |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836608 | xxxxxx D B A | Closed | xxxxxx | 2025-05-29 14:16 | 2025-06-18 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-06/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Guideline require gap on all loans. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received UDM - Due Diligence Vendor-06/18/2025<br>| Qualifying DTI below maximum allowed - MAx DTI 50% / Borrower DTI <12%<br>Long term residence - 8 years in primary residence |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836608 | xxxxxx D B A | Closed | xxxxxx | 2025-05-29 08:22 | 2025-05-29 08:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-05/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-05/29/2025<br>| Qualifying DTI below maximum allowed - MAx DTI 50% / Borrower DTI <12%<br>Long term residence - 8 years in primary residence |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836659 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836685 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 18:21 | 2025-05-23 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP report dated with10 days of closing. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-05/23/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 59.12%, guideline max is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 810, guideline minimum is 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836685 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 17:35 | 2025-05-23 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/23/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing the required business purpose affidavit.<br> - Due Diligence Vendor-05/14/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/23/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 59.12%, guideline max is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 810, guideline minimum is 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836697 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 16:54 | 2025-06-12 12:26 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Drive-by appraisal. Value is well supported. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Drive by uploaded - Seller-06/11/2025 <br>Open-Additional valuation product has not been provided. A third party valuation product is required to support the original value - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Drive by uploaded - Seller-06/11/2025<br>| Resolved-Received Drive-by appraisal. Value is well supported. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68 is less than guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836697 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 17:41 | 2025-06-05 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes provided for REO. Income calc updated. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. uploaded updated 1003, 1008 & property profile - Seller-06/05/2025 <br> Counter-Please provide tax bill for xxxxxx. We received the mortgage statement, which is not escrowed, the HOA fees and the homeowners insurance. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. included in original upload, reuploaded - Seller-06/04/2025 <br> Open-Documentation has not been provided to evidence the taxes for property xxxxxx. DTI will increase once taxes are documented and added to the expense payment. Additional findings may apply. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. uploaded updated 1003, 1008 & property profile - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. included in original upload, reuploaded - Seller-06/04/2025<br>| Resolved-Taxes provided for REO. Income calc updated. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68 is less than guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836697 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 16:55 | 2025-06-05 08:57 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-compliance confirmed this is not an HPML. - Due Diligence Vendor-06/05/2025 <br>Open-Full appraisal required due to HPML. - Due Diligence Vendor-06/02/2025 |  | Resolved-compliance confirmed this is not an HPML. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68 is less than guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836697 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 17:27 | 2025-06-05 08:55 | Resolved | 1 - Information C A | Credit | Eligibility | Higher-Priced Mortgage Loan and does not meet the HPML Flip Transaction requirements | Resolved-Compliance confirmed this is not a HPML. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. property is not a flip nor HPML, Deed showing ownership uploaded - Seller-06/04/2025 <br> Open-Subject loan is a Higher-Priced Mortgage Loan and does not meet the HPML Flip Transaction requirement and a full 2nd appraisal is required. Statute of limitation is 1 year, expiration date is 1 year form Note date of xxxxxx. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. property is not a flip nor HPML, Deed showing ownership uploaded - Seller-06/04/2025<br>| Resolved-Compliance confirmed this is not a HPML. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68 is less than guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836697 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 17:21 | 2025-06-04 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage reports on the credit report. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. included in original upload, reuploaded - Seller-06/04/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing for property xxxxxx. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. included in original upload, reuploaded - Seller-06/04/2025<br>| Resolved-Mortgage reports on the credit report. - Due Diligence Vendor-06/04/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68 is less than guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836697 | xxxxxx D B A | Closed | xxxxxx | 2025-05-30 17:26 | 2025-05-30 17:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68 is less than guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 836784 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 10:26 | 2025-05-20 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-05/05/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-05/05/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781 ; guidelines require 700<br>Months Reserves exceed minimum required - 6 mos required + 2 on primary + 2 on other; Borr has 32.35 mos |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836784 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 12:09 | 2025-05-20 16:31 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received Statement supporting March Payment was made. Disbursement date is xxxxxx, April payment is N/A. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/16/2025 <br> Counter-Subject property mortgage-dla xxxxxx on credit report. Provide confirmation paid current-March and April-for subject. Documentation received is for another property. Original finding remains. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-We have the March payment shown in the statement.<br> Also, the loan was closed before the end of xxxxxx and the loan was refinanced. Please waive this condition<br> - Seller-05/15/2025 <br> Counter-Documentation uploaded is insufficient - finding remains. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. xxxxxx, Please see attached highlighted it would be on page 116 of the closing package - Seller-05/09/2025 <br> Counter-Mortgage Statements provided are not for the subject property. Finding remains. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see proof of March and April payments - Seller-05/05/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing proof of March and April payments for mortgage on subject property - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/16/2025 <br> Ready for Review-We have the March payment shown in the statement.<br> Also, the loan was closed before the end of xxxxxx and the loan was refinanced. Please waive this condition<br> - Seller-05/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx, Please see attached highlighted it would be on page 116 of the closing package - Seller-05/09/2025 <br> Ready for Review-Document Uploaded. Please see proof of March and April payments - Seller-05/05/2025 | Resolved-Received Statement supporting March Payment was made. Disbursement date is xxxxxx, April payment is N/A. - Due Diligence Vendor-05/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781 ; guidelines require 700<br>Months Reserves exceed minimum required - 6 mos required + 2 on primary + 2 on other; Borr has 32.35 mos |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836784 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 12:03 | 2025-05-13 16:24 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Upon further review, the loan file contained all required rent loss coverage. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-xxxxxx per our calculation rent $3800\*6 mos=22,800 < $52000, so in our calculation coverage is sufficient - Seller-05/13/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Per lender approval, 6 months rent loss is required. Coverage is insufficient - Due Diligence Vendor-05/01/2025 | Ready for Review-xxxxxx per our calculation rent $3800\*6 mos=22,800 < $52000, so in our calculation coverage is sufficient - Seller-05/13/2025 | Resolved-Upon further review, the loan file contained all required rent loss coverage. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781 ; guidelines require 700<br>Months Reserves exceed minimum required - 6 mos required + 2 on primary + 2 on other; Borr has 32.35 mos |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836787 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836818 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836825 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 10:54 | 2025-06-05 10:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received correct security instrument. - Due Diligence Vendor-06/05/2025 <br> Counter-Mortgage with the correct address on page one provided, however 1.16 of the mortgage reflect the incorrect address - Due Diligence Vendor-05/27/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Property Address City is misspelled on Deed of Trust. Spelled as: xxxxxx, Should be: xxxxxx. Legal description reflects spelling of xxxxxx. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received correct security instrument. - Due Diligence Vendor-06/05/2025<br>| LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR % greater than 1.20 - DSCR 2.734; minimum is 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836825 | xxxxxx D A | Closed | xxxxxx | 2025-05-12 11:21 | 2025-06-02 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised photos confirming xxxxxx completed. - Due Diligence Vendor-06/02/2025 <br> Counter-The xxxxxx was not addressed. Pictures of the xxxxxx were cleared. - Due Diligence Vendor-05/27/2025 <br> Open-Appraisal is xxxxxx- all xxxxxx. - Due Diligence Vendor-05/12/2025 |  | Resolved-Received revised photos confirming xxxxxx completed. - Due Diligence Vendor-06/02/2025 | LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR % greater than 1.20 - DSCR 2.734; minimum is 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836825 | xxxxxx D A | Closed | xxxxxx | 2025-05-12 11:58 | 2025-05-27 12:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. - Due Diligence Vendor-05/19/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/12/2025 |  | Resolved-Received additional assets. - Due Diligence Vendor-05/19/2025<br>| LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR % greater than 1.20 - DSCR 2.734; minimum is 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836825 | xxxxxx D A | Closed | xxxxxx | 2025-05-12 10:56 | 2025-05-27 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The complete Guaranty Agreement Doc was provided. - Due Diligence Vendor-05/27/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Guaranty document is cut off at the top of the pages. - Due Diligence Vendor-05/12/2025 |  | Resolved-The complete Guaranty Agreement Doc was provided. - Due Diligence Vendor-05/27/2025<br>| LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR % greater than 1.20 - DSCR 2.734; minimum is 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836825 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 10:48 | 2025-05-27 09:45 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Amendment to Promissory Note - Due Diligence Vendor-05/27/2025 <br> Open-There are Issues Present on the Note that must be addressed. Property Address City is misspelled on Note. Spelled as: xxxxxx, Should be: xxxxxx. Legal description reflects spelling of xxxxxx. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Amendment to Promissory Note - Due Diligence Vendor-05/27/2025<br>| LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR % greater than 1.20 - DSCR 2.734; minimum is 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836825 | xxxxxx D A | Closed | xxxxxx | 2025-05-12 11:45 | 2025-05-19 10:10 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Currency conversion. - Due Diligence Vendor-05/19/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Missing currency conversion for account ending in 0870 - Due Diligence Vendor-05/12/2025 |  | Resolved-Received Currency conversion. - Due Diligence Vendor-05/19/2025<br>| LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR % greater than 1.20 - DSCR 2.734; minimum is 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836825 | xxxxxx D A | Closed | xxxxxx | 2025-05-12 11:45 | 2025-05-19 10:10 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-05/19/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-2947.72'. Assets are Insufficient. Total Qualified Assets Post-Close amount is '$-2947.72'. Assets are Insufficient.<br> - Due Diligence Vendor-05/12/2025 |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-05/19/2025<br>| LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR % greater than 1.20 - DSCR 2.734; minimum is 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836871 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836886 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-09 12:36 | 2025-07-10 09:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-06/10/2025 <br> Counter-Received qm audit report, PCCD xxxxxx and initial CD xxxxxx. The Loan Detail report provided also shows the finance charge is $340566.76 which is $3235.50 more than what is disclosed on the Final CD Loan Calculations section. - Due Diligence Vendor-05/22/2025 <br> Open-This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))The annual percentage rate (APR) is 10.314%. The disclosed APR of 10.146% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-05/09/2025 |  | Resolved-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-06/10/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 33 months<br>Qualifying DTI below maximum allowed - DTI of 32.14% is less than the maximum allowed per guidelines of 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836886 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-09 12:36 | 2025-06-10 11:27 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-07/10/2025 <br> Counter-Received qm audit report, PCCD xxxxxx and initial Cd xxxxxx. The Loan Detail report provided also shows the finance charge is $340566.76 which is $3235.50 more than what is disclosed on the Final CD Loan Calculations section. Since it is under disclosed on final CD, a refund is due back to borrower with a PCCD, letter of explanation and proof of delivery to borrower within 60 days of discovery. Since it is a refinance, statute also requires rescission to be re-opened, therefore a new ROR is required to be provided. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-05/16/2025 <br> Counter-Received PCCD xxxxxx and Loan Detail Report xxxxxx. Finance Charge is still under disclosed by $3,235.50. Provide evidence of refund or principal reduction of $3235.50, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. - Due Diligence Vendor-05/15/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $340,566.76. The disclosed finance charge of $337,331.26 is not considered accurate for purposes of rescission because it is understated by more than $35. Finance charge is understated by $3235.50 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $3235.50 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. see attached - Seller-05/16/2025<br>| Cured-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-07/10/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 33 months<br>Qualifying DTI below maximum allowed - DTI of 32.14% is less than the maximum allowed per guidelines of 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836886 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-09 12:36 | 2025-06-10 11:26 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-07/10/2025 <br> Counter-Received qm audit report, PCCD xxxxxx and initial CD xxxxxx. The Loan Detail report provided also shows the finance charge is $340566.76 which is $3235.50 more than what is disclosed on the Final CD Loan Calculations section. Since it is under disclosed on final CD, a refund is due back to borrower with a PCCD, letter of explanation and proof of delivery to borrower within 60 days of discovery. Since it is a refinance, statute also requires rescission to be re-opened, therefore a new ROR is required to be provided. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. See attached - Buyer-05/16/2025 <br> Counter-Received PCCD xxxxxx and Loan Detail Report xxxxxx. Finance Charge is still under disclosed by $3,235.50. Provide evidence of refund or principal reduction of $3235.50, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. - Due Diligence Vendor-05/15/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $340,566.76. The disclosed finance charge of $337,331.26 is not considered accurate because it is understated by more than $100. This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $340,566.76. The disclosed finance charge of $337,331.26 is not considered accurate because it is understated by more than $100 at $3235.50. Provide evidence of refund or principal reduction of $3235.50, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-05/09/2025 |  | Cured-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-07/10/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 33 months<br>Qualifying DTI below maximum allowed - DTI of 32.14% is less than the maximum allowed per guidelines of 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836886 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-09 12:36 | 2025-06-10 10:00 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-06/10/2025 <br> Counter-Received the Load Detail Report dated xxxxxx which confirms the APR is 10.404% which was under disclosed on the final CD as 10.146%. - Due Diligence Vendor-05/22/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The calculated APR of 10.314% on final CD xxxxxx increased from 10.146% without a new three day waiting period. - Due Diligence Vendor-05/09/2025 |  | Resolved-Received PCCD xxxxxx, LOX, copy of check, evidence of delivery, and executed ROR. - Due Diligence Vendor-06/10/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 33 months<br>Qualifying DTI below maximum allowed - DTI of 32.14% is less than the maximum allowed per guidelines of 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836886 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-13 09:45 | 2025-05-15 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received post 1003 confirming borrowers did not close on reo xxxxxx. - Due Diligence Vendor-05/15/2025 <br> Open-Missing P&I and tax documentation for REO xxxxxx of the 1003 - Due Diligence Vendor-05/13/2025 |  | Resolved-Received post 1003 confirming borrowers did not close on reo xxxxxx. - Due Diligence Vendor-05/15/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 33 months<br>Qualifying DTI below maximum allowed - DTI of 32.14% is less than the maximum allowed per guidelines of 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836890 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 15:00 | 2025-05-21 10:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Assets. Audited Reserves of 18.06 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-05/21/2025 <br>Open-Audited Reserves of 0.66 month(s) are less than Guideline Required Reserves of 2 month(s) Cash out proceeds does not cover reserve requirements. Additional asset required. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received Assets. Audited Reserves of 18.06 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 760; guidelines require 700.<br>Credit history exceeds minimum required - B1 credit profile has 0 late payments. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 836900 | xxxxxx C B A | Closed | xxxxxx | 2025-05-29 09:06 | 2025-08-11 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support the mortgage does not belong to the borrower. - Due Diligence Vendor-08/11/2025 <br> Counter-Purchase agreement for the subject provided, please provide the missing payment history for property xxxxxx. - Due Diligence Vendor-08/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements .Missing 11 months mortgage history 0x30 for REO xxxxxx Mortgage Statement in file only supports Aprils payment. - Due Diligence Vendor-08/11/2025 |  | Resolved-Received documentation to support the mortgage does not belong to the borrower. - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below maximum allowed - DTI is 6.71% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 18.79% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836900 | xxxxxx C B A | Closed | xxxxxx | 2025-05-29 07:33 | 2025-07-14 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien Note. - Due Diligence Vendor-07/14/2025 <br>Open-Missing copy of 1st lien Note. - Due Diligence Vendor-05/29/2025 |  | Resolved-Received 1st lien Note. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - DTI is 6.71% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 18.79% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836900 | xxxxxx C B A | Closed | xxxxxx | 2025-05-29 09:22 | 2025-07-14 10:17 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx | Resolved-Received verification free and clear xxxxxx. - Due Diligence Vendor-07/14/2025 <br> Open-Appraisal states subject has xxxxxx. All xxxxxx must be paid in full prior to closing.Missing documentation xxxxxx loan is paid in full or clarification if xxxxxx are attached to entire building and maintained by the HOA. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received verification free and clear xxxxxx. - Due Diligence Vendor-07/14/2025 | Qualifying DTI below maximum allowed - DTI is 6.71% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 18.79% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836900 | xxxxxx C B A | Closed | xxxxxx | 2025-05-29 09:13 | 2025-06-18 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-06/18/2025 <br>Open-LOX for credit inquiries is missing. LOE for inquires is missing. - Due Diligence Vendor-05/29/2025 |  | Resolved-Received LOE - Due Diligence Vendor-06/18/2025<br>| Qualifying DTI below maximum allowed - DTI is 6.71% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 18.79% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836900 | xxxxxx C B A | Closed | xxxxxx | 2025-05-27 15:14 | 2025-05-27 15:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/27/2025<br>| Qualifying DTI below maximum allowed - DTI is 6.71% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 18.79% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 836964 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 11:23 | 2025-07-11 09:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Business statements for Overdraft Protection submitted. While in a different name - guidelines do not specify must be from same business and the business associated with OD Protection is owned by borrowers. - Due Diligence Vendor-07/11/2025 <br> Counter-Received business license-documentation is not sufficient-finding remains. - Due Diligence Vendor-07/11/2025 <br> Counter-Received overdraft transfer source statements reflecting auto transfers - business bank statements providing the transfer as noted in a different business name. Original finding remains. - Due Diligence Vendor-06/30/2025 <br> Open-Income and Employment Do Not Meet Guidelines Business bank statements used for income. Bank statements refelct a total of 9 NSF or Overdraft protection fees. Missing documentation to allow exclusion of NSF or overdraft fee. letter of explanation in the file Letter of explanation provided, missing exception form. - Due Diligence Vendor-06/06/2025 |  | Resolved-Business statements for Overdraft Protection submitted. While in a different name - guidelines do not specify must be from same business and the business associated with OD Protection is owned by borrowers. - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 16.74 months, guideline require 12 months.<br>Qualifying DTI below maximum allowed - The calculated DTI is 18.15%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836964 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 10:42 | 2025-07-11 09:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received credit report. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Loading this directly to xxxxxx as the seller provided additional documentation after I initially pushed the file from xxxxxx. I wanted to ensure everything was received/reviewed at once. Commentary from the seller/lender: Please see UW cert and the credit report from 2/21. This was not in the package delivered and is not expired. xxxxxx. - Buyer-06/24/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Credit report dated 5/5/25 does not have credit scores. Credit report dated 5/21/25 was not provided. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received credit report. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 16.74 months, guideline require 12 months.<br>Qualifying DTI below maximum allowed - The calculated DTI is 18.15%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836964 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 10:42 | 2025-07-11 09:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Credit Report is Incomplete | Resolved-Received credit report. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Loading this directly to xxxxxx as the seller provided additional documentation after I initially pushed the file from xxxxxx. I wanted to ensure everything was received/reviewed at once. Commentary from the seller/lender: Please see UW cert and the credit report from 2/21. This was not in the package delivered and is not expired. xxxxxx. - Buyer-06/24/2025 <br> Open-Borrower 2 Credit Report is Partially Present. Credit report dated 5/5/25 does not have credit scores. Credit report dated 5/21/25 was not provided. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received credit report. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 16.74 months, guideline require 12 months.<br>Qualifying DTI below maximum allowed - The calculated DTI is 18.15%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836964 | xxxxxx C B A | Closed | xxxxxx | 2025-06-05 10:22 | 2025-06-05 11:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------ Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------ Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 16.74 months, guideline require 12 months.<br>Qualifying DTI below maximum allowed - The calculated DTI is 18.15%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836972 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 09:57 | 2025-06-23 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Received HOI policy. - Due Diligence Vendor-06/23/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.946 ; Minimum DSCR 0.00.<br>Months Reserves exceed minimum required - 10.2 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836979 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836980 | xxxxxx C A | Closed | xxxxxx | 2025-05-21 09:45 | 2025-05-23 09:54 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Supplemental Report w/sufficient coverage. - Due Diligence Vendor-05/23/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is not listed on the Preliminary Report. - Due Diligence Vendor-05/21/2025 |  | Resolved-Received Supplemental Report w/sufficient coverage. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 17 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 794; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837014 | xxxxxx C A | Closed | xxxxxx | 2025-06-09 14:25 | 2025-06-12 17:14 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-After further review, a xxxxxx is not required. - Due Diligence Vendor-06/12/2025 <br> Counter-Documentation is insufficient-must meet 10.2 of guidelines: Contain a xxxxxx - Due Diligence Vendor-06/12/2025 <br> Ready for Review-A xxxxxx is not required only a xxxxxx - please clear - Seller-06/10/2025 <br> Open- xxxxxx not present - Due Diligence Vendor-06/09/2025 | Ready for Review-A xxxxxx is not required only a xxxxxx - please clear - Seller-06/10/2025 | Resolved-After further review, a xxxxxx is not required. - Due Diligence Vendor-06/12/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.888; minimum DSCR 0.00.<br>Months Reserves exceed minimum required - 9.43 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837050 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-20 13:15 | 2025-06-23 12:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-April statement provided. - Due Diligence Vendor-06/23/2025 <br> Open-Asset 2 Less Than 2 Months Verified Guidelines require 2 months bank statements. Only 1 month provided in file. - Due Diligence Vendor-06/20/2025 |  | Resolved-April statement provided. - Due Diligence Vendor-06/23/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Guideline does not require residual income. Borrower had more than 1 month residual income. <br>On time mortgage history exceeds guideline requirement - 0x30x51 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837050 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-20 13:15 | 2025-06-23 12:52 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-April statement provided. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/21/2025 <br> Open-Asset 1 Less Than 2 Months Verified Guidelines require 2 months bank statements. Only 1 month provided in file. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/21/2025 | Resolved-April statement provided. - Due Diligence Vendor-06/23/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Guideline does not require residual income. Borrower had more than 1 month residual income. <br>On time mortgage history exceeds guideline requirement - 0x30x51 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837050 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-20 17:25 | 2025-06-23 12:49 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal provided with CDA, CU and LCA all supporting value. - Due Diligence Vendor-06/23/2025 <br> Open--Loan Amount >250k (One of the following required):<br> - Prior 1st lien appraisal dated within 12 months of subject loan Note Date <br> allowed subject to the following:<br> - Loan must be originated by same lender as the first; AND<br> - A new Property Condition Report with acceptable findings; AND<br> - Recertification of value by original appraiser; and<br> - AVM within 90- days of the Note date from approved vendor with <br> acceptable FSD.<br> - The transaction value is the lower of the Prior Appraisal value or the current AVM.<br> - Due Diligence Vendor-06/20/2025 |  | Resolved-Appraisal provided with CDA, CU and LCA all supporting value. - Due Diligence Vendor-06/23/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Guideline does not require residual income. Borrower had more than 1 month residual income. <br>On time mortgage history exceeds guideline requirement - 0x30x51 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837050 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-20 17:27 | 2025-06-20 17:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/20/2025 <br> Open-Exception in file for the property with unpermitted additions/alteration. xxxxxx and xxxxxx 1 were converted to xxxxxx. It is done with workmanlike manner. - Due Diligence Vendor-06/20/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/20/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Guideline does not require residual income. Borrower had more than 1 month residual income. <br>On time mortgage history exceeds guideline requirement - 0x30x51 | Reserves exceed requirement by 2 months or more<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> 0x30 for 24 months on all mortgages | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 837063 | xxxxxx C A | Closed | xxxxxx | 2025-05-22 15:34 | 2025-06-06 11:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement confirming sufficient coverage. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/04/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien. Title in File Policy Amount: xxxxxx - Due Diligence Vendor-05/22/2025 |  | Resolved-Received title supplement confirming sufficient coverage. - Due Diligence Vendor-06/06/2025 | DSCR % greater than 1.20 - DSCR is 1.50<br>Credit history exceeds minimum required - Qualifying FICO score 712; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837073 | xxxxxx D A | Closed | xxxxxx | 2025-05-09 22:57 | 2025-05-16 10:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Final Settlement Statement. Audited Reserves of 29.69 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-05/16/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) - Cash out proceeds may be used to satisfy requirement; Unable to determine due to Missing Final CD and/or Settlement Statement. - Due Diligence Vendor-05/10/2025 |  | Resolved-Received Final Settlement Statement. Audited Reserves of 29.69 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-05/16/2025 | Months Reserves exceed minimum required - 29.69 Months Reserves > 2 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 752. Per guides, minimum score required 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837073 | xxxxxx D A | Closed | xxxxxx | 2025-05-09 10:43 | 2025-05-16 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Final Settlement Statement. - Due Diligence Vendor-05/16/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. - Final Closing Detail Statement Document is Missing - Due Diligence Vendor-05/12/2025 |  | Resolved-Received Final Settlement Statement. - Due Diligence Vendor-05/16/2025 | Months Reserves exceed minimum required - 29.69 Months Reserves > 2 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 752. Per guides, minimum score required 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837080 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837132 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 14:29 | 2025-05-28 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/28/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-05/19/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 101.48 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 690 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837132 | xxxxxx D A | Closed | xxxxxx | 2025-05-22 13:56 | 2025-05-28 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-05/28/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-05/22/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 101.48 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 690 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837157 | xxxxxx C B A | Closed | xxxxxx | 2025-05-28 11:48 | 2025-05-29 08:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Mortgage/Rental lates exceed guidelines | Waived-Client exception for 1st time investor with 1x30 delinquency. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/29/2025 <br> Open-First time investor with 1x30x36 mortgage late for first time investors not allowed per guidelines. Exception was granted. - Due Diligence Vendor-05/28/2025 |  | Waived-Client exception for 1st time investor with 1x30 delinquency. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/29/2025 | Months Reserves exceed minimum required - 25 months available vs. 2 required<br>DSCR % greater than 1.20 - 1.388 | FICO is 20+ points > minimum required-702 (640); LTV 10% or more below the maximum allowed 50% (GL=80%); DSCR > 1.25 (1.694); Reserves 6+ months greater than minimum (13 months vs. 2 months required). | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837190 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 12:44 | 2025-06-11 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Guides corrected to xxxxxx, min DSCR is 0. - Due Diligence Vendor-06/11/2025 <br> Open-The Calculated DSCR of '0.926' is less than the minimum DSCR per lender guidelines of '1'. Minimum DSCR of 1 per guidelines. Missing DSCR calculation worksheet. - Due Diligence Vendor-06/02/2025 |  | Resolved-Guides corrected to xxxxxx, min DSCR is 0. - Due Diligence Vendor-06/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - MIn FICO 700 / Borrower FICO 763<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837190 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 12:47 | 2025-06-11 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-06/11/2025 <br> Open-DSCR calc missing Due Diligence Vendor-06/02/2025 |  | Resolved-DSCR calc provided. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MIn FICO 700 / Borrower FICO 763<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837190 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 10:02 | 2025-06-11 09:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM provided. - Due Diligence Vendor-06/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing subject property payment history - Due Diligence Vendor-06/02/2025 |  | Resolved-VOM provided. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MIn FICO 700 / Borrower FICO 763<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837244 | xxxxxx C B A | Closed | xxxxxx | 2025-06-03 14:16 | 2025-06-18 09:23 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of receipt 5/1/2025, 5/19/2025 and COC xxxxxx - Due Diligence Vendor-06/18/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received evidence of receipt xxxxxx and COC xxxxxx - Due Diligence Vendor-06/18/2025 | LTV is less than guideline maximum - LTV is 16.82% and max allowed is 80%.<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837244 | xxxxxx C B A | Closed | xxxxxx | 2025-06-03 14:16 | 2025-06-18 09:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.38.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received evidence of receipt 5/1/2025, 5/19/2025 and COC xxxxxx (rounding) - Due Diligence Vendor-06/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $40.38.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $40.38 (transfer tax & credit) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $40.38, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/03/2025 |  | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.38.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received evidence of receipt xxxxxx and COC xxxxxx (rounding) - Due Diligence Vendor-06/18/2025 | LTV is less than guideline maximum - LTV is 16.82% and max allowed is 80%.<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837244 | xxxxxx C B A | Closed | xxxxxx | 2025-06-03 14:05 | 2025-06-03 14:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2025 | LTV is less than guideline maximum - LTV is 16.82% and max allowed is 80%.<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837250 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837283 | xxxxxx D A | Closed | xxxxxx | 2025-06-13 13:46 | 2025-07-03 12:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received confirmation foreign funds were wired directly to title. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-our loan was locked prior to the change in the funds needing to be in a UW account - funds in a foreign account are acceptable. - Seller-06/19/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Assets must be transferred in xxxxxx account in borrowers name at least 10 days prior to closing. The funds are in foreign assets. - Due Diligence Vendor-06/16/2025 | Ready for Review-our loan was locked prior to the change in the funds needing to be in a UW account - funds in a foreign account are acceptable. - Seller-06/19/2025 | Resolved-Received confirmation foreign funds were wired directly to title. - Due Diligence Vendor-06/23/2025 | Long term residence - B1 & B2 in current home for 12 years. <br>Months Reserves exceed minimum required - Borrower has 28.52 months in reserves. Minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837283 | xxxxxx D A | Closed | xxxxxx | 2025-06-13 13:40 | 2025-06-23 14:52 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received confirmation foreign funds were wired directly to title. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. our loan was locked prior to the change in the funds needing to be in a UW account - funds in a foreign account are acceptable. - Seller-06/19/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-169047.01'. Assets are Insufficient. Total Qualified Assets Post-Close amount is '$-169047.01'. Assets must be transferred in xxxxxx account in borrowers name at least 10 days prior to closing. The funds are in foreign assets. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. our loan was locked prior to the change in the funds needing to be in a UW account - funds in a foreign account are acceptable. - Seller-06/19/2025 | Resolved-Received confirmation foreign funds were wired directly to title. - Due Diligence Vendor-06/23/2025 | Long term residence - B1 & B2 in current home for 12 years. <br>Months Reserves exceed minimum required - Borrower has 28.52 months in reserves. Minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837283 | xxxxxx D A | Closed | xxxxxx | 2025-06-16 10:03 | 2025-06-23 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received B1-s passport. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Borrower Citizenship Documentation Is Missing a copy of the B1's valid and unexpired passport (including photograph) as required by guidelines section 3.4.3. File included a copy of a VISA. Additional findings may apply. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025 | Resolved-Received B1-s passport. - Due Diligence Vendor-06/23/2025<br>| Long term residence - B1 & B2 in current home for 12 years. <br>Months Reserves exceed minimum required - Borrower has 28.52 months in reserves. Minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837284 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 21:59 | 2025-06-17 08:51 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. PCCD & Final SS uploaded - Seller-06/16/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. PCCD & Final SS uploaded - Seller-06/16/2025 | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 736 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 5.28% is less than the guideline max of 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837284 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 21:34 | 2025-06-12 09:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 736 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 5.28% is less than the guideline max of 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 837356 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837364 | xxxxxx D B A | Closed | xxxxxx | 2025-06-06 11:23 | 2025-07-10 12:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-06/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-06/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 691<br>Months Reserves exceed minimum required - 8.88 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 837364 | xxxxxx D B A | Closed | xxxxxx | 2025-06-09 10:02 | 2025-06-12 10:32 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received second AVM from xxxxxx supporting value. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Additional valuation product has not been provided. Secondary valuation product needed - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Received second AVM from xxxxxx supporting value. - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 691<br>Months Reserves exceed minimum required - 8.88 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837414 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837435 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 12:15 | 2025-04-29 13:33 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-EIN is not missing, the borrower is 100% owner of business. - Due Diligence Vendor-04/29/2025 <br> Open-The Business Entity Formation Document is Missing Missing Business Entity Formation documentation - Due Diligence Vendor-04/29/2025 |  | Resolved-EIN is not missing, the borrower is 100% owner of business. - Due Diligence Vendor-04/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 809 is higher than minimum required FICO of 700<br>LTV is less than guideline maximum - LTV 52.941% is lower than the max allowed 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837443 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 11:03 | 2025-07-31 08:58 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received updated appraisal with clear photos and confirmation no exposed wires nor health and safety issues. - Due Diligence Vendor-07/31/2025 <br> Open-1. Appraisal xxxxxx pg 477 is xxxxxx, audit unable to confirm if potential health and safety issues. 2. Pg 476 is what appears to be xxxxxx possible safety issue. - Due Diligence Vendor-07/21/2025 |  | Resolved-Received updated appraisal with clear photos and confirmation no exposed wires nor health and safety issues. - Due Diligence Vendor-07/31/2025 | Months Reserves exceed minimum required - Months Reserves 20 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 681 is at least 20 points above minimum for program 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837443 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 13:56 | 2025-07-30 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax and HOI. - Due Diligence Vendor-07/30/2025 <br> Open-Provide documentation to support taxes and insurance for REO xxxxxx. Mortgage statement shows escrow amount which was used for audit however actual current amounts are missing, mortgage was paid off at close. - Due Diligence Vendor-07/21/2025 |  | Resolved-Received tax and HOI. - Due Diligence Vendor-07/30/2025 | Months Reserves exceed minimum required - Months Reserves 20 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 681 is at least 20 points above minimum for program 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837443 | xxxxxx D A | Closed | xxxxxx | 2025-07-22 13:59 | 2025-07-30 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/30/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-07/22/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/30/2025 | Months Reserves exceed minimum required - Months Reserves 20 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 681 is at least 20 points above minimum for program 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837477 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 16:27 | 2025-07-09 13:24 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Mortgage statement (escrowed) provided and proof of the monthly HOA. - Due Diligence Vendor-07/09/2025 <br> Counter-HOA verification provided, however we are missing evidence of taxes and insurance. - Due Diligence Vendor-07/09/2025 <br> Counter-Mortgage Statement provided, please provide the HOA verification. - Due Diligence Vendor-06/19/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing verification of taxes and insurance for the property REO xxxxxx of the 1003. Audit used amount from final 1003 to calculate the DTI. - Due Diligence Vendor-06/10/2025 |  | Resolved-Mortgage statement (escrowed) provided and proof of the monthly HOA. - Due Diligence Vendor-07/09/2025 | CLTV is less than guidelines maximum - The calculated CLTV is 51.79%, guideline maximum is 75%.<br>Qualifying DTI below maximum allowed - The calculated DTI is 43.13%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837477 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 12:23 | 2025-07-09 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (escrowed) provided and proof of the monthly HOA. - Due Diligence Vendor-07/09/2025 <br> Counter-HOA verification provided, however we are missing evidence of taxes and insurance. - Due Diligence Vendor-07/09/2025 <br> Counter-Mortgage Statement provided, please provide the HOA verification. - Due Diligence Vendor-06/19/2025 <br> Open-Missing verification of taxes and insurance for the property REO xxxxxx of the 1003. Audit used amount from final 1003 to calculate the DTI. - Due Diligence Vendor-06/10/2025 |  | Resolved-Mortgage statement (escrowed) provided and proof of the monthly HOA. - Due Diligence Vendor-07/09/2025 | CLTV is less than guidelines maximum - The calculated CLTV is 51.79%, guideline maximum is 75%.<br>Qualifying DTI below maximum allowed - The calculated DTI is 43.13%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837477 | xxxxxx D B A | Closed | xxxxxx | 2025-06-06 15:50 | 2025-06-06 16:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/06/2025 | CLTV is less than guidelines maximum - The calculated CLTV is 51.79%, guideline maximum is 75%.<br>Qualifying DTI below maximum allowed - The calculated DTI is 43.13%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837489 | xxxxxx D A C | Closed | xxxxxx | 2025-06-20 11:06 | 2025-07-14 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the mortgages are current within 45 days of the application date per xxxxxx guides. - Due Diligence Vendor-07/14/2025 <br> Counter-Received reference to updated appraisal received-documentation is insufficient-finding remains. - Due Diligence Vendor-07/11/2025 <br> Counter-Documentation received is insufficient-credit supplement within audit file is for property xxxxxx. Missing for xxxxxx-mtg payment made for heloc xxxxxx payment and for 1st lien missing payment xxxxxx payment was made. - Due Diligence Vendor-06/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- REO xxxxxx- Missing mtg payment made for heloc xxxxxx payment and for 1st lien missing payment xxxxxx payment was made. - Due Diligence Vendor-06/20/2025 |  | Resolved-After further review, the mortgages are current within 45 days of the application date per xxxxxx guides. - Due Diligence Vendor-07/14/2025 | Months Reserves exceed minimum required - 461.76 months PITIA reserves; 8 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.04 max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837489 | xxxxxx D A C | Closed | xxxxxx | 2025-06-20 11:31 | 2025-07-14 10:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-June xxxxxx statement print out provided. Name and account number listed. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Provided document shows borrower's name. "Account number" would be the Participant ID. Please clear - Seller-07/14/2025 <br> Counter-Received duplicate-screenshot does not reflect borrowers name, account number. Original finding remains. - Due Diligence Vendor-07/02/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing full printout of xxxxxx- provided screen prints. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Provided document shows borrower's name. "Account number" would be the Participant ID. Please clear - Seller-07/14/2025 | Resolved-June xxxxxx statement print out provided. Name and account number listed. - Due Diligence Vendor-07/14/2025 | Months Reserves exceed minimum required - 461.76 months PITIA reserves; 8 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.04 max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837489 | xxxxxx D A C | Closed | xxxxxx | 2025-06-20 11:39 | 2025-07-11 09:16 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received amended report reflecting shared amenities comparable. - Due Diligence Vendor-07/11/2025 <br> Counter-Received confirmation from appraiser subject is not considered a condotel. Missing confirmation appraiser provided comparable with shared amenities-guideline requirement: The appraiser must show that this is common for the market, include a comp from another project with a similar amenity, and comment that there is no negative impact on value and marketability. - Due Diligence Vendor-06/30/2025 <br> Open-Appraiser to clarify if this is deemed as a xxxxxx- per ltr pg 1452. The amenities that are shared between xxxxxx. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received amended report reflecting shared amenities comparable. - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 461.76 months PITIA reserves; 8 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.04 max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837489 | xxxxxx D A C | Closed | xxxxxx | 2025-06-20 11:30 | 2025-07-07 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Master settlement statement received-fully executed-no lender/no cd. - Due Diligence Vendor-07/07/2025 <br> Open-Purchase contract & Settlement stmt provided for closing for current home pg 311, we need the Final CD. - Due Diligence Vendor-06/20/2025 |  | Resolved-Master settlement statement received-fully executed-no lender/no cd. - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - 461.76 months PITIA reserves; 8 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.04 max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837489 | xxxxxx D A C | Closed | xxxxxx | 2025-06-20 11:36 | 2025-07-07 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received revised liability reflecting xxxxxx units. - Due Diligence Vendor-07/07/2025 <br> Open-Condo Master Insurance Policy Partially Provided- stated xxxxxx units where as Condo questionnaire reflects xxxxxx. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received revised liability reflecting xxxxxx units. - Due Diligence Vendor-07/07/2025 | Months Reserves exceed minimum required - 461.76 months PITIA reserves; 8 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.04 max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837489 | xxxxxx D A C | Closed | xxxxxx | 2025-06-20 09:46 | 2025-06-30 09:21 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Upon further review, the loan file contained all required valuation products. - Due Diligence Vendor-06/30/2025 <br> Open-Two or more full valuation products were not provided.' There are 3 appraisals with same appraiser. - Due Diligence Vendor-06/20/2025 |  | Resolved-Upon further review, the loan file contained all required valuation products. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 461.76 months PITIA reserves; 8 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.04 max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837511 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837521 | xxxxxx C B A | Closed | xxxxxx | 2025-05-28 13:21 | 2025-06-12 14:09 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Updated 1003 for B2 provided confirming no child support obligation. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx Upload updated 1003 without the child support income. xxxxxx - Seller-05/29/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. No documentation provided to support the child support liability stated on B2 1003. No documentation provided to evidence if there may be other liabilities associated with the debt (such as alimony, etc). - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. xxxxxx Upload updated 1003 without the child support income. xxxxxx - Seller-05/29/2025 | Resolved-Updated 1003 for B2 provided confirming no child support obligation. - Due Diligence Vendor-06/12/2025<br>| CLTV is less than guidelines maximum - 60.92% < 80% allowed<br> Qualifying DTI below maximum allowed - DTI < 43%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780 is more than 20 points higher than the guideline min of 680.<br> Long term residence - In subject property 7 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837521 | xxxxxx C B A | Closed | xxxxxx | 2025-05-28 11:34 | 2025-06-12 14:08 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Updated 1003 provided confirming B2 does not have child support. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx Upload updated 1003 without the child support income. xxxxxx - Seller-05/29/2025 <br> Open-No documentation provided to support the child support liability stated on B2 1003. No documentation provided to evidence if there may be other liabilities associated with the debt (such as alimony, etc). - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. xxxxxx Upload updated 1003 without the child support income. xxxxxx - Seller-05/29/2025 | Resolved-Updated 1003 provided confirming B2 does not have child support. - Due Diligence Vendor-06/12/2025<br>| CLTV is less than guidelines maximum - 60.92% < 80% allowed<br> Qualifying DTI below maximum allowed - DTI < 43%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780 is more than 20 points higher than the guideline min of 680.<br> Long term residence - In subject property 7 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837521 | xxxxxx C B A | Closed | xxxxxx | 2025-05-28 13:21 | 2025-06-12 14:06 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. please see revised 1003 removing child support for Borrower xxxxxx - Seller-06/12/2025 <br> Counter-Please provide child support documents for Borrower 2. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Attached is the doc containing the child support order-please review the attached for the following provision which states no child support payments due.<br>- Seller-06/09/2025 <br> Counter-Documentation received is insufficient-child support reflects on B2 application. Original finding remains. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. xxxxxx Upload updated 1003 without the child support income. xxxxxx - Seller-05/29/2025 <br> Open-ATR: The Lender did not document all ATR Factors No documentation provided to support the child support liability stated on B2 1003. No documentation provided to evidence if there may be other liabilities associated with the debt (such as alimony, etc). - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. please see revised 1003 removing child support for Borrower xxxxxx - Seller-06/12/2025 <br> Ready for Review-Attached is the doc containing the child support order-please review the attached for the following provision which states no child support payments due.<br>- Seller-06/09/2025 <br> Ready for Review-Document Uploaded. xxxxxx Upload updated 1003 without the child support income. xxxxxx - Seller-05/29/2025 | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-06/12/2025<br>| CLTV is less than guidelines maximum - 60.92% < 80% allowed<br> Qualifying DTI below maximum allowed - DTI < 43%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780 is more than 20 points higher than the guideline min of 680.<br> Long term residence - In subject property 7 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837521 | xxxxxx C B A | Closed | xxxxxx | 2025-05-27 17:27 | 2025-05-29 11:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with correct disbursement date of xxxxxx. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. please see attached PCCD xxxxxx - Seller-05/28/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. please see attached PCCD xxxxxx - Seller-05/28/2025 | Resolved-Received PCCD with correct disbursement date of xxxxxx. - Due Diligence Vendor-05/29/2025 | CLTV is less than guidelines maximum - 60.92% < 80% allowed<br> Qualifying DTI below maximum allowed - DTI < 43%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780 is more than 20 points higher than the guideline min of 680.<br> Long term residence - In subject property 7 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837521 | xxxxxx C B A | Closed | xxxxxx | 2025-05-28 11:11 | 2025-05-28 14:54 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Originator exception granted to allow less than 24 months self employed. Non-material waiver applied with comp factors. Deemed non-material due to 21 months in same business and prior job was in the same field.<br> - Due Diligence Vendor-05/28/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Current business in operation for 21 months only. - Due Diligence Vendor-05/28/2025 |  | Waived-Originator exception granted to allow less than 24 months self employed. Non-material waiver applied with comp factors. Deemed non-material due to 21 months in same business and prior job was in the same field.<br> - Due Diligence Vendor-05/28/2025 | CLTV is less than guidelines maximum - 60.92% < 80% allowed<br> Qualifying DTI below maximum allowed - DTI < 43%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780 is more than 20 points higher than the guideline min of 680.<br> Long term residence - In subject property 7 years | Ratios < 43%<br> Long term homeowner | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 837575 | xxxxxx C B A | Closed | xxxxxx | 2025-06-09 15:55 | 2025-06-19 10:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-B1 is only using W2 income to qualify, which was averaged over 24 months. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-From seller: we are requesting this be waived. The borrower owns a business that doesn't have K1 carryover (a 1065 corp). She is paid as comp of officer thru a w2. 2 yrs of 1040s are in file along with w2s & paystubs for this to be considered full income . xxxxxx. - Buyer-06/17/2025 <br> Open-B1 is self employed, lender used w2 income only. W2 income includes bonus, missing breakdown of borrower 1 w2/bonus income, continuation, salary alone puts DTI over 50%. - Due Diligence Vendor-06/09/2025 |  | Resolved-B1 is only using W2 income to qualify, which was averaged over 24 months. - Due Diligence Vendor-07/10/2025 | CLTV is less than guidelines maximum - 59.72 CLTV is less than 85% guidelines maximum<br> Qualifying FICO score is at least 20 points above minimum for program - 738 Qualifying FICO score is at least 20 points above 680 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837575 | xxxxxx C B A | Closed | xxxxxx | 2025-06-09 15:31 | 2025-06-19 10:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Transcripts for the 1040's provided in lieu of signature - Due Diligence Vendor-06/19/2025 <br> Open-Borrower 1 Tax Returns Not Signed Borrower is self-employed, per guidelines, the most recent one (1) or two (2) years of tax returns (including evidence of filing). If applicable, both personal and business (including all K-1s and schedules), signed and dated by each borrower. 1020 in file however unsigned and k1 not included. - Due Diligence Vendor-06/09/2025 |  | Resolved-Transcripts for the 1040's provided in lieu of signature - Due Diligence Vendor-06/19/2025 | CLTV is less than guidelines maximum - 59.72 CLTV is less than 85% guidelines maximum<br> Qualifying FICO score is at least 20 points above minimum for program - 738 Qualifying FICO score is at least 20 points above 680 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837575 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 09:34 | 2025-06-06 09:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/06/2025 | CLTV is less than guidelines maximum - 59.72 CLTV is less than 85% guidelines maximum<br> Qualifying FICO score is at least 20 points above minimum for program - 738 Qualifying FICO score is at least 20 points above 680 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837576 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837583 | xxxxxx C B A | Closed | xxxxxx | 2025-05-29 14:13 | 2025-05-30 10:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted to allow FICO of 651. Non-material waiver applied with comp factors. Deemed non-material due to only 9 points under minimum. - Due Diligence Vendor-05/30/2025 <br> Open-Audited FICO of 651 is less than Guideline FICO of 660 FICO too low - Due Diligence Vendor-05/29/2025 |  | Waived-Client exception granted to allow FICO of 651. Non-material waiver applied with comp factors. Deemed non-material due to only 9 points under minimum. - Due Diligence Vendor-05/30/2025 | DSCR % greater than 1.20 - 1.82<br> Months Reserves exceed minimum required - 108 months available vs. 2 required<br> LTV is less than guideline maximum - 60% vs. max LTV of 75% | LTV 10% or more below the maximum allowed<br> DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837595 | xxxxxx D A | Closed | xxxxxx | 2025-05-27 15:14 | 2025-06-03 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received WVOE. - Due Diligence Vendor-06/03/2025 <br> Open-Borrower 1 WVOE Missing Missing WVOE dated prior to the Note Date and signed by the Owner. Additional findings may apply. - Due Diligence Vendor-05/27/2025 |  | Resolved-Received WVOE. - Due Diligence Vendor-06/03/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income $6,278<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 730; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837600 | xxxxxx C B A | Closed | xxxxxx | 2025-06-05 10:26 | 2025-06-13 07:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded - Seller-06/11/2025 <br> Counter-Received Settlement Statement, provide corresponding Closing Disclosure. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Final SS uploaded, disbursement date xxxxxx - Seller-06/10/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ------Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. PCCD uploaded - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. Final SS uploaded, disbursement date xxxxxx - Seller-06/10/2025 | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-06/13/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 61.04 is less than the guideline max of 75.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 711 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837600 | xxxxxx C B A | Closed | xxxxxx | 2025-06-05 10:12 | 2025-06-05 10:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/05/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 61.04 is less than the guideline max of 75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 711 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 837623 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 16:07 | 2025-07-09 09:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional asset statement and source of large deposits and transfers-sufficient assets verified. - Due Diligence Vendor-07/09/2025 <br> Counter-Received xxxxxx balance $576,283.57. Missing source of deposits: $119,996.51 4/7; $9,800 4/9; $2,091,506.57 4/21; transfer $53,000 4/23. Acceptable source required and confirmation of no new debts. Additional conditions may apply - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/01/2025 <br> Counter-Received notes from originator reflecting xxxxxx $576,283.57 and xxxxxx $382,140.13 assets considered. Audit file is missing xxxxxx balance $576,283.57. - Due Diligence Vendor-06/30/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s)-The file is missing the updated xxxxxx statement - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/01/2025 | Resolved-Received additional asset statement and source of large deposits and transfers-sufficient assets verified. - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 761 vs. 720 min<br>Credit history exceeds minimum required - Exceeds guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837623 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 15:59 | 2025-07-09 09:02 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional asset statement and source of large deposits and transfers-sufficient assets verified. - Due Diligence Vendor-07/09/2025 <br> Counter-Received xxxxxx balance $576,283.57. Missing source of deposits: $119,996.51 4/7; $9,800 4/9; $2,091,506.57 4/21; transfer $53,000 4/23. Acceptable source required and confirmation of no new debts. Additional conditions may apply - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/01/2025 <br> Counter-Received notes from originator reflecting xxxxxx $576,283.57 and xxxxxx $382,140.13 assets considered. Audit file is missing xxxxxx balance $576,283.57. - Due Diligence Vendor-06/30/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-25470.72'. Assets are Insufficient.-The file is missing the updated xxxxxx statement with a balance of $756,283.57. - Due Diligence Vendor-06/23/2025 |  | Resolved-Received additional asset statement and source of large deposits and transfers-sufficient assets verified. - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 761 vs. 720 min<br>Credit history exceeds minimum required - Exceeds guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837623 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 15:59 | 2025-07-09 09:02 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received additional asset statement and source of large deposits and transfers-sufficient assets verified. - Due Diligence Vendor-07/09/2025 <br> Counter-Received xxxxxx balance $576,283.57. Missing source of deposits: $119,996.51 4/7; $9,800 4/9; $2,091,506.57 4/21; transfer $53,000 4/23. Acceptable source required and confirmation of no new debts. Additional conditions may apply - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/01/2025 <br> Counter-Received notes from originator reflecting xxxxxx $576,283.57 and xx6703 $382,140.13 assets considered. Audit file is missing xxxxxx balance $576,283.57. - Due Diligence Vendor-06/30/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - The file is missing the updated xxxxxx statement with a balance of $756,283.57. - Due Diligence Vendor-06/23/2025 |  | Resolved-Received additional asset statement and source of large deposits and transfers-sufficient assets verified. - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 761 vs. 720 min<br>Credit history exceeds minimum required - Exceeds guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837623 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 15:37 | 2025-06-30 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-06/30/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/20/2025 |  | Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 761 vs. 720 min<br>Credit history exceeds minimum required - Exceeds guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837623 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 14:56 | 2025-06-23 14:46 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/23/2025 <br> Open-Lender exception in file to allow owner of record on contract to be conveyed to another party on xxxxxx vs Seller of record must own the property at time of purchase contract. - Due Diligence Vendor-06/23/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 761 vs. 720 min<br>Credit history exceeds minimum required - Exceeds guidelines | Credit score 30+ points higher than minimum required<br> DTI is < 40% vs. guideline max of 50% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837645 | xxxxxx B A | Closed | xxxxxx | 2025-06-04 16:27 | 2025-06-05 09:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-06/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-06/05/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 39%; max permitted 50%.<br>Months Reserves exceed minimum required - 41 months PITIA reserves; 0 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837680 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 11:44 | 2025-07-11 09:19 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received confirmation from appraiser xxxxxx is present. - Due Diligence Vendor-07/11/2025 <br> Counter-Documentation is insufficient-xxxxxx or appraiser to confirm xxxxxx. - Due Diligence Vendor-07/02/2025 <br> Open-Property Issues are identified for the property Missing xxxxxx. - Due Diligence Vendor-06/24/2025 |  | Resolved-Received confirmation from appraiser xxxxxx is present. - Due Diligence Vendor-07/11/2025 | Months Reserves exceed minimum required - 11.24mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 770 score . Per guides, minimum score required 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837680 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 11:48 | 2025-07-02 10:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received SOS confirming active and formed 2017. - Due Diligence Vendor-07/02/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Per PTIN letter in the file, missing verification of time business has been active. VVOE in file does not reflect where the information was verified. - Due Diligence Vendor-06/24/2025 |  | Resolved-Received SOS confirming active and formed 2017. - Due Diligence Vendor-07/02/2025 | Months Reserves exceed minimum required - 11.24mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 770 score . Per guides, minimum score required 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837680 | xxxxxx C B A | Closed | xxxxxx | 2025-06-20 09:43 | 2025-07-02 10:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Receive Note reflecting originators xxxxxx - Due Diligence Vendor-07/02/2025 <br> Open-There are Issues Present on the Note that must be addressed. missing lender xxxxxx ID - Due Diligence Vendor-06/20/2025 |  | Resolved-Receive Note reflecting originators xxxxxx - Due Diligence Vendor-07/02/2025 | Months Reserves exceed minimum required - 11.24mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 770 score . Per guides, minimum score required 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837680 | xxxxxx C B A | Closed | xxxxxx | 2025-06-20 11:34 | 2025-07-02 10:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received security instrument. - Due Diligence Vendor-07/02/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing NMSL information on Mortgage - Due Diligence Vendor-06/20/2025 |  | Resolved-Received security instrument. - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - 11.24mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 770 score . Per guides, minimum score required 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837680 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 11:49 | 2025-06-24 11:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow FTHB with no verification of rent, Non-material waiver applied with comp factors. non-material due to borrower pays in cash. LTV 5 % under. - Due Diligence Vendor-06/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements FTHB and NPRA unable to document rental history (pays cash) vs FTHB 12 month rental history reflecting 0x30 - Due Diligence Vendor-06/24/2025 |  | Waived-Client exception granted to allow FTHB with no verification of rent, Non-material waiver applied with comp factors. non-material due to borrower pays in cash. LTV 5 % under. - Due Diligence Vendor-06/24/2025 | Months Reserves exceed minimum required - 11.24mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 770 score . Per guides, minimum score required 660. | Credit Score 30+ Points <br> Reserves > 2 months more than needed<br> Self-Employed > 2 years. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837755 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837815 | xxxxxx C A | Closed | xxxxxx | 2025-05-07 11:06 | 2025-05-14 16:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please review the Exhibit A for DOT. - Seller-05/12/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please review the Exhibit A for DOT. - Seller-05/12/2025 | Resolved-Received Legal. - Due Diligence Vendor-05/14/2025 | LTV is less than guideline maximum - Guidelines allow LTV to 70%. Subject loan LTV is 62.5%.<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 736. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837817 | xxxxxx D B A | Closed | xxxxxx | 2025-07-01 12:48 | 2025-07-08 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final HUD-purchased xxxxxx-no rating required. - Due Diligence Vendor-07/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing 12 months housing history for REO xxxxxx. - Due Diligence Vendor-07/01/2025 |  | Resolved-Received final HUD-purchased xxxxxx-no rating required. - Due Diligence Vendor-07/03/2025 | Long term residence - Borrower long time residence primary over 15 yrs.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 676; minimum score 640. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837817 | xxxxxx D B A | Closed | xxxxxx | 2025-07-01 12:48 | 2025-07-08 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report. - Due Diligence Vendor-07/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/01/2025 |  | Resolved-Received UDM report. - Due Diligence Vendor-07/08/2025 | Long term residence - Borrower long time residence primary over 15 yrs.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 676; minimum score 640. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837817 | xxxxxx D B A | Closed | xxxxxx | 2025-07-01 12:54 | 2025-07-03 11:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required asset documentations. - Due Diligence Vendor-07/03/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing 100% access ltr. - Due Diligence Vendor-07/01/2025 |  | Resolved-Upon further review, the loan file contained all required asset documentations. - Due Diligence Vendor-07/03/2025 | Long term residence - Borrower long time residence primary over 15 yrs.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 676; minimum score 640. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837817 | xxxxxx D B A | Closed | xxxxxx | 2025-07-01 12:13 | 2025-07-03 11:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client provided a waiver allow xxxxxx property with xxxxxx features and use current appraised value, applied to non material finding with comp factors - Due Diligence Vendor-07/03/2025 <br> Open-Appraisal - subject has xxxxxx and along with xxxxxx that appears could be a xxxxxx. <br> Lender exception - to allows use of appraisal value vs documenting the improvements. - Due Diligence Vendor-07/01/2025 |  | Waived-Client provided a waiver allow xxxxxx property with xxxxxx features and use current appraised value, applied to non material finding with comp factors - Due Diligence Vendor-07/03/2025 | Long term residence - Borrower long time residence primary over 15 yrs.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 676; minimum score 640. | residual income more than 2.5 the amount required<br> DTI< less than 36% which is below requirement<br> LTV 5% or more value. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837817 | xxxxxx D B A | Closed | xxxxxx | 2025-07-01 12:50 | 2025-07-03 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation. - Due Diligence Vendor-07/03/2025 <br> Open-Missing mtg statement and verification of taxes, insurance and or HOA for REO xxxxxx. - Due Diligence Vendor-07/01/2025 |  | Resolved-Received PITIA validation. - Due Diligence Vendor-07/03/2025 | Long term residence - Borrower long time residence primary over 15 yrs.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 676; minimum score 640. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837840 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837882 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837919 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 09:43 | 2025-05-16 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Upon further review, the loan file contained all required business purpose documentation. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-It is already included in the closing package page 430-433. Please waive this condition. - Seller-05/15/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Business Purpose Affidavit Required for DSCR Transactions <br>- Due Diligence Vendor-05/14/2025 | Ready for Review-It is already included in the closing package page 430-433. Please waive this condition. - Seller-05/15/2025 | Resolved-Upon further review, the loan file contained all required business purpose documentation. - Due Diligence Vendor-05/16/2025 | Months Reserves exceed minimum required - 8.25 months reserves exceed 6 month minimum <br>Long term residence - Borrower has owned current home for 6 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837929 | xxxxxx C A | Closed | xxxxxx | 2025-06-09 11:36 | 2025-07-21 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please review the updated report. - Seller-07/17/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists: Underwriters to confirm by reviewing the Fraud Tools, if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are on any of the following lists. Provide all required individuals involved transaction per guidelines. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please review the updated report. - Seller-07/17/2025 | Resolved-Received complete fraud report. - Due Diligence Vendor-07/21/2025 | Qualifying DTI below maximum allowed - DTI is 40.19% and max allowed is 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 738 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837929 | xxxxxx C A | Closed | xxxxxx | 2025-06-09 11:36 | 2025-07-21 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received complete OFAC check. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please review the updated report. - Seller-07/17/2025 <br> Open-OFAC Check Not Completed and/or Cleared: Underwriters to confirm by reviewing the Fraud Tools, if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are on any of the following lists. Provide all required individuals involved transaction per guidelines. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please review the updated report. - Seller-07/17/2025 | Resolved-Received complete OFAC check. - Due Diligence Vendor-07/21/2025 | Qualifying DTI below maximum allowed - DTI is 40.19% and max allowed is 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 738 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837932 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837967 | xxxxxx C A | Closed | xxxxxx | 2025-06-30 15:16 | 2025-07-23 08:45 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received corrected security instrument with corrected notary date and intent to re record. - Due Diligence Vendor-07/23/2025 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx Notary xxxxxx, mortgage dated xxxxxx. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received corrected security instrument with corrected notary date and intent to re record. - Due Diligence Vendor-07/23/2025 | Months Reserves exceed minimum required - 17.96 Months Reserves exceed 3 month minimum required<br>Qualifying DTI below maximum allowed - 16.18% Qualifying DTI below 50% maximum allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837967 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 11:11 | 2025-07-11 12:06 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Per Articles of Organization submitted - Entity is a xxxxxx - Due Diligence Vendor-07/11/2025 <br> Counter-Documentation reviewed within file - not provided. Original finding remains. - Due Diligence Vendor-07/11/2025 <br> Open-Missing documentation for xxxxxx listed on bank statements for income to show 100% ownership. None of the LLC docs provided match this name.<br> - Due Diligence Vendor-07/08/2025 |  | Resolved-Per Articles of Organization submitted - Entity is a xxxxxx - Due Diligence Vendor-07/11/2025 | Months Reserves exceed minimum required - 17.96 Months Reserves exceed 3 month minimum required<br>Qualifying DTI below maximum allowed - 16.18% Qualifying DTI below 50% maximum allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838008 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 16:51 | 2025-06-18 14:04 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------The decrease in lender credit is due to decrease in amount to cure closing costs over legal limit. - Due Diligence Vendor-06/18/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($205.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($290.80). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----The decrease in lender credit is due to decrease in amount to cure closing costs over legal limit. - Due Diligence Vendor-06/13/2025 |  | Resolved------The decrease in lender credit is due to decrease in amount to cure closing costs over legal limit. - Due Diligence Vendor-06/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - 798 > 680 required<br>Months Reserves exceed minimum required - 34 months > 3 required |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838008 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 16:51 | 2025-06-18 14:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $205.00 without a valid COC in file. Lender credit of $205.00 on final CD. Finding resolved. - Due Diligence Vendor-06/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $205.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). <br> - Due Diligence Vendor-06/13/2025 |  | Resolved------Zero (0%) tolerance fees increased by $205.00 without a valid COC in file. Lender credit of $205.00 on final CD. Finding resolved. - Due Diligence Vendor-06/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - 798 > 680 required<br>Months Reserves exceed minimum required - 34 months > 3 required |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838038 | xxxxxx D A | Closed | xxxxxx | 2025-05-29 10:08 | 2025-07-07 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter provided. Guidelines do not indicate the standard expense factor needs to be validated by the CPA. - Due Diligence Vendor-07/07/2025 <br> Counter-Documentation received is insufficient. Provide complete Secretary of State of xxxxxx confirming filing date and active along with operating agreement-or CPA letter update required. - Due Diligence Vendor-07/02/2025 <br> Counter-Documentation received is insufficient-ownership percentage and length must be validated. - Due Diligence Vendor-06/04/2025 <br> Open-Borrower 1 CPA Letter Missing Provide the CPA letter to confirm the ownership percentage of the business and to verify the expense factor. - Due Diligence Vendor-05/29/2025 |  | Resolved-CPA letter provided. Guidelines do not indicate the standard expense factor needs to be validated by the CPA. - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 724 is higher than the required 700<br>Months Reserves exceed minimum required - 15.27 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - DTI 44.54% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838051 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 14:19 | 2025-05-29 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Upon further review, the loan file contained all required housing history documentation. - Due Diligence Vendor-05/29/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Borr VOR - Due Diligence Vendor-05/21/2025 |  | Resolved-Upon further review, the loan file contained all required housing history documentation. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 691<br>Months Reserves exceed minimum required - 40.56mos reserves. Per guides, 3 reserves required. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838051 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 13:53 | 2025-05-29 11:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received trust and title documentation. - Due Diligence Vendor-05/29/2025 <br> Open-Property Title Issue Missing Trust documentation and/or certification. Subject original vesting in a Trust being refinanced into one of the Trustees as an individual. Borrower inherited property due to Co-Trustee being deceased, no copy death certificate in file. - Due Diligence Vendor-05/21/2025 |  | Resolved-Received trust and title documentation. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 691<br>Months Reserves exceed minimum required - 40.56mos reserves. Per guides, 3 reserves required. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838054 | xxxxxx C A | Closed | xxxxxx | 2025-06-17 12:28 | 2025-06-24 16:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | Dual Broker Compensation Test | Resolved-Received invoices for Appraisal and Credit Report confirming those fees were not paid to the broker. - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Open-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of $910.33 and broker compensation paid by another party of $10,000.00.This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. ------Per the Final CD, the Origination Fee is paid to Broker from Lender and the Appraisal and Credit Report Fee is paid to Broker from borrower. - Due Diligence Vendor-06/17/2025 |  | Resolved-Received invoices for Appraisal and Credit Report confirming those fees were not paid to the broker. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI = 6.88% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 804 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838054 | xxxxxx C A | Closed | xxxxxx | 2025-06-17 12:28 | 2025-06-24 16:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received invoices for Appraisal and Credit Report confirming those fees were not paid to the broker. - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Appraisal and Credit Report Fee in section B is payable to Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 3 Years: xxxxxx. - Due Diligence Vendor-06/17/2025 |  | Resolved-Received invoices for Appraisal and Credit Report confirming those fees were not paid to the broker. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI = 6.88% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 804 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838054 | xxxxxx C A | Closed | xxxxxx | 2025-06-20 12:21 | 2025-06-24 09:26 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received appraiser commentary confirming no impact of recent disaster. - Due Diligence Vendor-06/24/2025 <br> Open-Individual – xxxxxx – Incident Period: xxxxxx – File is missing Appraiser Comment – NO Damage/No Impact to Marketability from xxxxxx - Due Diligence Vendor-06/20/2025 |  | Resolved-Received appraiser commentary confirming no impact of recent disaster. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI = 6.88% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 804 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838062 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 19:41 | 2025-06-17 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Receive PITIA validation - Due Diligence Vendor-06/17/2025 <br> Open-Missing proof that departure residence payment is escrowed, audit used amount from credit report. - Due Diligence Vendor-06/10/2025 |  | Resolved-Receive PITIA validation - Due Diligence Vendor-06/17/2025 | Verified employment history exceeds guidelines - 5+ years same employer<br>Months Reserves exceed minimum required - The Borrower has 16.75 months in reserves. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838073 | xxxxxx B A | Closed | xxxxxx | 2025-06-24 13:33 | 2025-07-02 07:49 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/02/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-06/24/2025 |  | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 730<br>Months Reserves exceed minimum required - 20 mths reserves; 0 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838087 | xxxxxx C A | Closed | xxxxxx | 2025-05-20 11:08 | 2025-07-18 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received updated Appraisal, the Appraiser states no hazard or safety related to the tenants' personal items on the front yard and back yard. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please review the report. - Seller-07/17/2025 <br> Counter-1004D should be provided. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Can you please advise if the pictures alone can clear this condition or not? I mean the pictures showing that the backyard is cleaned up. Or do you accept only 1004D or any certain forms? Please let me know. - Seller-06/17/2025 <br> Counter-Documentation is insufficient-provide confirmation from appraiser no health and safety issues present. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-It is up to the owner of this property to leave the living the xxxxxx. We believe that it does not cause any safety issue. And this is an Investment property. Can you please advise if this condition can be waived or not? - Seller-06/02/2025 <br> Open-Property Issues are identified for the property xxxxxx. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please review the report. - Seller-07/17/2025 <br> Ready for Review-Can you please advise if the pictures alone can clear this condition or not? I mean the pictures showing that the backyard is cleaned up. Or do you accept only 1004D or any certain forms? Please let me know. - Seller-06/17/2025 <br> Ready for Review-It is up to the owner of this property to leave the living the xxxxxx of the property. We believe that it does not cause any safety issue. And this is an Investment property. Can you please advise if this condition can be waived or not? - Seller-06/02/2025 | Resolved-Received updated Appraisal, the Appraiser states no hazard or safety related to the tenants' personal items on the front yard and back yard. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 54 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 731. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838133 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838149 | xxxxxx D B A | Closed | xxxxxx | 2025-07-01 12:14 | 2025-07-16 11:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal description provided. - Due Diligence Vendor-07/16/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Exhibit A Legal Description. - Due Diligence Vendor-07/01/2025 |  | Resolved-Mortgage with legal description provided. - Due Diligence Vendor-07/16/2025 | Qualifying DTI below maximum allowed - < 16% vs. 50% max DTI<br>Months Reserves exceed minimum required - 20 months available vs. 6 required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838149 | xxxxxx D B A | Closed | xxxxxx | 2025-07-08 11:45 | 2025-07-16 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate provided. - Due Diligence Vendor-07/16/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-07/08/2025 |  | Resolved-Flood Certificate provided. - Due Diligence Vendor-07/16/2025 | Qualifying DTI below maximum allowed - < 16% vs. 50% max DTI<br>Months Reserves exceed minimum required - 20 months available vs. 6 required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838149 | xxxxxx D B A | Closed | xxxxxx | 2025-07-01 12:27 | 2025-07-01 12:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/01/2025 | Qualifying DTI below maximum allowed - < 16% vs. 50% max DTI<br>Months Reserves exceed minimum required - 20 months available vs. 6 required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838185 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838219 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838233 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 09:59 | 2025-06-05 10:44 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-06/05/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-06/02/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-06/05/2025 | LTV is less than guideline maximum - 27.17% LTV vs. max LTV of 65%<br>Qualifying FICO score is at least 20 points above minimum for program - 758 vs. 660<br>DSCR % greater than 1.20 - 1.672<br>Months Reserves exceed minimum required - 63 months available vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838233 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 08:50 | 2025-06-05 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit signed by both borrowers. - Due Diligence Vendor-06/05/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-06/02/2025 |  | Resolved-Received business purpose affidavit signed by both borrowers. - Due Diligence Vendor-06/05/2025 | LTV is less than guideline maximum - 27.17% LTV vs. max LTV of 65%<br>Qualifying FICO score is at least 20 points above minimum for program - 758 vs. 660<br>DSCR % greater than 1.20 - 1.672<br>Months Reserves exceed minimum required - 63 months available vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838237 | xxxxxx D B A | Closed | xxxxxx | 2025-06-06 16:48 | 2025-06-13 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/13/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Subject is as investment purchase, missing the required business purpose affidavit per guidelines. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 737, guideline minimum is 660.<br>Months Reserves exceed minimum required - Verified reserves equal 66.35 months, guidelines require 0 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838237 | xxxxxx D B A | Closed | xxxxxx | 2025-06-06 17:38 | 2025-06-09 06:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow for housing history, Non-material waiver applied with comp factors. - Due Diligence Vendor-06/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception provided for housing history. B1 owned an investment property in xxxxxx which was purchased in xxxxxx and sold in xxxxxx lender using past ownership for the property located in xxxxxx to document borrower being an experienced investor or his current ownership of the property located in xxxxxx to document first-time investor. - Due Diligence Vendor-06/06/2025 |  | Waived-Client exception granted to allow for housing history, Non-material waiver applied with comp factors. - Due Diligence Vendor-06/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 737, guideline minimum is 660.<br>Months Reserves exceed minimum required - Verified reserves equal 66.35 months, guidelines require 0 months. | Credit score is 30+points greater than requirement.<br> Reserves exceed requirement by 10 months. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838251 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838255 | xxxxxx C A | Closed | xxxxxx | 2025-06-11 13:01 | 2025-06-30 10:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected security instrument and all rider reflecting signed as member.. - Due Diligence Vendor-06/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The DOT is executed by the borrowers as individuals. The borrowers did not sign as members of the LLC. The Mortgage must be resigned and re-recorded. - Due Diligence Vendor-06/11/2025 |  | Resolved-Received corrected security instrument and all rider reflecting signed as member.. - Due Diligence Vendor-06/30/2025 | DSCR % greater than 1.20 - 1.37<br> Months Reserves exceed minimum required - 27 months vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838275 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 07:22 | 2025-06-10 16:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/10/2025 <br> Open-Property Issues are identified for the property Exception in file to Allow property having a xxxxxx and ADU when Multiple ADUs are not allowed. - Due Diligence Vendor-06/10/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 786; guidelines require 700. <br> Months Reserves exceed minimum required - 40 months reserves; 2 months reserves required. | 1. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. <br> 2. Credit Score 30+ points > minimum required. <br> 3. Reserves exceed requirement by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838327 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 10:07 | 2025-07-07 10:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received final CD. - Due Diligence Vendor-07/07/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing evidence of sale of current primary residence with receipt of net proceeds which were included on the final 1003. (The mortgage debt was excluded from the DTI and lacks evidence the mortgage contingencies were cleared and escrows were waived requiring at least 12-months of reserves which are not met without consideration of net proceeds.) Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received final CD. - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 720<br> Qualifying DTI below maximum allowed - Qualifying DTI 10%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838327 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 10:08 | 2025-07-03 11:16 | Resolved | 1 - Information B A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Confirmed all inquiries are related to mortgage. - Due Diligence Vendor-07/03/2025 <br> Open-LOX for credit inquiries is missing. Missing letter of explanation for inquiries from UDM report. - Due Diligence Vendor-06/30/2025 |  | Resolved-Confirmed all inquiries are related to mortgage. - Due Diligence Vendor-07/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 720<br> Qualifying DTI below maximum allowed - Qualifying DTI 10%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838327 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 09:15 | 2025-07-02 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received subject tax cert. - Due Diligence Vendor-07/02/2025 <br> Open-Missing Evidence of Property Tax Missing tax certification from local tax authority supporting qualifying figure. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received subject tax cert. - Due Diligence Vendor-07/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 720<br> Qualifying DTI below maximum allowed - Qualifying DTI 10%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838342 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838344 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 18:55 | 2025-07-24 09:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation transfers are non rental. Rent free email acceptable. - Due Diligence Vendor-07/24/2025 <br> Counter-Received rent free email for B1-documentation insufficient-original finding remains. - Due Diligence Vendor-07/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of timely payments for home where borrower's have been renting and corrected 1003. Per 6-months of bank statements from xxxxxx B1 has been transferring $2400 to B2 for Rent. Additional findings may apply. - Due Diligence Vendor-06/26/2025 |  | Resolved-Received confirmation transfers are non rental. Rent free email acceptable. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41.75%; max 50%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 721; minimum required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838365 | xxxxxx C A | Closed | xxxxxx | 2025-07-03 07:28 | 2025-07-09 09:19 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received bank statements supporting funds utilized for acquisition of subject. - Due Diligence Vendor-07/09/2025 <br> Open-Delayed financing per xxxxxx guides must provide source of funds. The sources of funds for the purchase transaction are documented (such as bank statements, personal loan documents, or a HELOC on another property). Missing statement or alternative document to validate the $392,153.37 funds to close from xxxxxx transaction. File contained only the wire confirmation. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received bank statements supporting funds utilized for acquisition of subject. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 30.05% is lower than 50% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 799 is higher than 660 minimum score required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838370 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838372 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 16:46 | 2025-07-03 13:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, lender xxxxxx on Mortgage is originator on the 1003. - Due Diligence Vendor-07/03/2025 <br> Counter-The xxxxxxR ID for xxxxxx disclosed on the Note is incorrect. - Due Diligence Vendor-07/03/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. xxxxxx ID for Originator is incorrect on Deed of Trust. - Due Diligence Vendor-06/26/2025 |  | Resolved-After further review, lender xxxxxx on Mortgage is originator on the 1003. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 812 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.89% below maximum allowed 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838372 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 21:47 | 2025-07-03 13:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, lender xxxxxx on Note is originator on the 1003. - Due Diligence Vendor-07/03/2025 <br> Counter-The xxxxxxR ID for xxxxxx disclosed on the Note is incorrect. - Due Diligence Vendor-07/03/2025 <br> Open-There are Issues Present on the Note that must be addressed. Originator xxxxxx ID on Note is incorrect. - Due Diligence Vendor-06/27/2025 |  | Resolved-After further review, lender xxxxxx on Note is originator on the 1003. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 812 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.89% below maximum allowed 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838388 | xxxxxx D A | Closed | xxxxxx | 2025-07-02 10:00 | 2025-07-09 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-07/09/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-07/02/2025 |  | Resolved-Received property tax cert. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - > 17 months available vs. 6 required<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 715 vs. min FICO 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838388 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 19:22 | 2025-07-09 09:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/09/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description missing - Due Diligence Vendor-06/26/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - > 17 months available vs. 6 required<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 715 vs. min FICO 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838388 | xxxxxx D A | Closed | xxxxxx | 2025-07-02 10:21 | 2025-07-09 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/02/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - > 17 months available vs. 6 required<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 715 vs. min FICO 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838392 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 00:05 | 2025-06-18 16:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received payment history. - Due Diligence Vendor-06/17/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Missing required housing history via VOR for primary residence. - Due Diligence Vendor-06/11/2025 |  | Resolved-Received payment history. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 57.01 months reserves; 2 months reserves required.<br>LTV is less than guideline maximum - 22.78% LTV ratio, 65% maximum LTV allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838392 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 23:45 | 2025-06-17 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received 12 month payment history. - Due Diligence Vendor-06/17/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guides, housing history for the DSCR Doc type is required for the borrower's primary residence and the subject property if a refinance transaction. Guides also state that a 12-month rental history is required for all xxxxxx when the borrower is renting their current primary residence. Per 1003 the borrowers rent at their current residence for the past 30 years. The Verification of Rent (VOR) Document is Missing. Additional conditions may apply. - Due Diligence Vendor-06/11/2025 |  | Resolved-Received 12 month payment history. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 57.01 months reserves; 2 months reserves required.<br>LTV is less than guideline maximum - 22.78% LTV ratio, 65% maximum LTV allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838394 | xxxxxx C A | Closed | xxxxxx | 2025-06-20 09:52 | 2025-07-09 09:19 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Counter-Received CD issued xxxxxx with borrower email notification dated xxxxxx. Final CD has the same issue date as CD received. Please provide documentation and attestation as to CD position, revised, final or post close. Finding remains. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached CD and email notification to Borrower. - Buyer-07/03/2025 <br> Counter-----Received CD xxxxxx, missing evidence of receipt. Provide documentation and attestation as to CD position, revised, final or post close. - Due Diligence Vendor-06/26/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($501.00) exceed the comparable charges ($450.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees Lender's Title Insurance Fee and increased by $6.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 |  | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-07/09/2025 | Months Reserves exceed minimum required - 29 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 745 guidelines require 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838394 | xxxxxx C A | Closed | xxxxxx | 2025-06-23 15:20 | 2025-06-26 10:15 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Received EAD for B1. - Due Diligence Vendor-06/26/2025 <br> Open-B1 employment authorization card expired and request for renewal was not provided. Employment authorization I797C form request provided for B2 along with expired Employee Authorization Card provided. - Due Diligence Vendor-06/23/2025 |  | Resolved-Received EAD for B1. - Due Diligence Vendor-06/26/2025<br>| Months Reserves exceed minimum required - 29 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 745 guidelines require 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838399 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 15:25 | 2025-07-15 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-50% of monthly income is $16,960.96. The borrower provided an LOX for the 3 deposits exceeding this amount. - Due Diligence Vendor-07/15/2025 <br> Counter-Documentation received is insufficient-guidelines highlighted confirm Large Deposits exceeding 50% of monthly income into bank accounts-original finding remains. - Due Diligence Vendor-07/11/2025 <br> Open-Missing source of large deposits exceeding 50% of monthly income as follows: $16,041 on 09/16/24, $16,663.60 on 10/31/24, $16,899.65 on 11/29, $21,279.75 on 03/26/25, $20,365 on 04/03, and $19,204.75 on 04/15/25. All deposits were included in qualifying income. Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-50% of monthly income is $16,960.96. The borrower provided an LOX for the 3 deposits exceeding this amount. - Due Diligence Vendor-07/15/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 23.94%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 721; minimum required 660 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838399 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 15:08 | 2025-07-11 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Appraiser addressed declining market and confirmed comparables all lie in similar market. - Due Diligence Vendor-07/11/2025 <br> Open-The appraiser must provide their conclusions for the reasons a neighborhood is experiencing declining property values and detail the potential impact on marketability and comment which comps lie within similar affordable housing neighborhoods, even if subsequently released. Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Appraiser addressed declining market and confirmed comparables all lie in similar market. - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 23.94%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 721; minimum required 660 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838399 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 15:25 | 2025-07-11 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received PTIN validation for tax preparer and license documentation for business. - Due Diligence Vendor-07/11/2025 <br> Counter-Received confirmation of business IRS accepted agents reflecting a different name of tax preparer. Provide IRS validation for tax preparer noted on CPA letter. - Due Diligence Vendor-07/03/2025 <br> Open-Borrower 1 CPA Letter Missing Missing verification of active license for Tax Accountant. IRS list provided neither lists the tax accountant or the business on the letterhead. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received PTIN validation for tax preparer and license documentation for business. - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 23.94%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 721; minimum required 660 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838399 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 15:27 | 2025-07-11 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Tax Parcel confirming borrower does not own property. - Due Diligence Vendor-07/11/2025 <br> Open-Third Party Fraud Report Partially Provided Missing evidence xxxxxx, was sold almost 2 years ago and was not awarded to an ex-spouse through divorce. Fraud shows borrower still owns the property. Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received Tax Parcel confirming borrower does not own property. - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 23.94%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 721; minimum required 660 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838404 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838409 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 14:32 | 2025-07-11 11:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received initial dated 1003 - Due Diligence Vendor-07/11/2025 <br> Open-The Initial 1003 is Missing Originator did not date Initial Application in file, unable to determine application date. Unable to test timing requirements and tolerance correctly, please clarify Initial Application Date. Additional findings may apply upon receipt. [Earliest LE date of xxxxxx used as interim date to fill fields] - Due Diligence Vendor-06/27/2025 |  | Resolved-Received initial dated 1003 - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 2.55 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 811; minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838409 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 13:25 | 2025-07-11 11:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/11/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-06/27/2025 |  | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 2.55 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 811; minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838409 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 13:43 | 2025-07-11 11:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC xxxxxx and PCCD xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,436.00) exceed the comparable charges ($1,166.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee, Notary Fee) increased by $405 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $153.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is xxxxxx. [SPL dated within 3 days of application date is missing, unable to test fees properly]<br> - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 |  | Resolved-Received COC xxxxxx and PCCD xxxxxx. - Due Diligence Vendor-07/11/2025 | Months Reserves exceed minimum required - 2.55 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 811; minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838409 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 13:43 | 2025-07-11 11:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $160.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $160.00 (Title - Deed Prep) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $160.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is xxxxxx. [Fee not present on Initial LE xxxxxx and only appeared on Final CD xxxxxx]<br> - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 |  | Resolved-Received COC xxxxxx. - Due Diligence Vendor-07/11/2025 | Months Reserves exceed minimum required - 2.55 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 811; minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838409 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 14:47 | 2025-07-11 10:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/11/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/27/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 2.55 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 811; minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838409 | xxxxxx D A | Closed | xxxxxx | 2025-07-02 15:37 | 2025-07-07 12:08 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary valuation provided that supports the original valuation product. - Due Diligence Vendor-07/07/2025 <br> Open-Two BPO's in file difference in value at 11.99%. Secondary valuation must be within 10% of primary value. - Due Diligence Vendor-07/02/2025 |  | Resolved-Secondary valuation provided that supports the original valuation product. - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - 2.55 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 811; minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838423 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838431 | xxxxxx B A | Closed | xxxxxx | 2025-07-10 16:02 | 2025-07-21 15:54 | Resolved | 1 - Information B A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated lender income calc provided. - Due Diligence Vendor-07/21/2025 <br> Open-Audited DTI of 50.18% exceeds Guideline DTI of 50% Audit calculated slightly lower income - Due Diligence Vendor-07/10/2025 |  | Resolved-Updated lender income calc provided. - Due Diligence Vendor-07/21/2025<br>| Verified employment history exceeds guidelines - 12+ years same job<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 771; minimum score 680.<br>LTV is less than guideline maximum - LTV 63.52% max 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838431 | xxxxxx B A | Closed | xxxxxx | 2025-07-09 16:20 | 2025-07-11 15:29 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved------APR on subject loan of 9.428% is within allowable threshold of APOR of 6.87% + 3.75% or 10.62%. - Due Diligence Vendor-07/11/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----APR on subject loan of 9.428% is within allowable threshold of APOR of 6.87% + 3.75% or 10.62%. - Due Diligence Vendor-07/09/2025 |  | Resolved------APR on subject loan of 9.428% is within allowable threshold of APOR of 6.87% + 3.75% or 10.62%. - Due Diligence Vendor-07/11/2025<br>| Verified employment history exceeds guidelines - 12+ years same job<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 771; minimum score 680.<br>LTV is less than guideline maximum - LTV 63.52% max 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838431 | xxxxxx B A | Closed | xxxxxx | 2025-07-09 16:00 | 2025-07-09 16:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025<br>| Verified employment history exceeds guidelines - 12+ years same job<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 771; minimum score 680.<br>LTV is less than guideline maximum - LTV 63.52% max 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838448 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838453 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-29 13:27 | 2025-06-19 11:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The request for an exception to xxxxxx eligibility criteria is granted for reserves. - Due Diligence Vendor-06/19/2025 <br> Open-Audited Reserves of 0.03 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/29/2025 |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted for reserves. - Due Diligence Vendor-06/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 737; guidelines require 700<br>Long term residence - 27 years | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Subject property home ownership > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838453 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-29 13:03 | 2025-06-06 12:33 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-06/06/2025 <br> Open-Additional valuation product has not been provided. Missing second valuation product. - Due Diligence Vendor-05/29/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 737; guidelines require 700<br>Long term residence - 27 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838460 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838485 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-05 09:48 | 2025-07-11 10:41 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received copy of check in the amount of $670.55, post-close CD, LOE and evidence of delivery to borrower - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ....Zero (0%) tolerance fees increased by $125 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $125, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/05/2025 |  | Cured-Received copy of check in the amount of $670.55, post-close CD, LOE and evidence of delivery to borrower - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 152 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 801, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838485 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-06 14:37 | 2025-07-09 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received statement considered for reserves. - Due Diligence Vendor-07/09/2025 <br> Counter-Received income calculation confirming acceptable ratios. Missing xxxxxx xxxxxx $838,950.04 balance per UW notes considered for reserves. - Due Diligence Vendor-07/02/2025 <br> Open-Audited DTI of 51.02% exceeds Guideline DTI of 50% The lender used a total asset utilization income of $20, 2321.24, verified asset utilization income equals $18,649.70 resulting in a DTI of 51.02% which exceeds the maximum allowed of 50%. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received statement considered for reserves. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 152 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 801, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838485 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-06 14:01 | 2025-06-13 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, co-op pays the insurance. - Due Diligence Vendor-06/13/2025 <br> Open-Per documents borrower owns a property located at xxxxxx. Missing verification of property insurance. - Due Diligence Vendor-06/06/2025 |  | Resolved-Upon further review, co-op pays the insurance. - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 152 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 801, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838485 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-06 12:59 | 2025-06-13 10:10 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received legible copy of the Appraisal - Due Diligence Vendor-06/13/2025 <br> Open-All pages of all copies of the appraisal in the file are missing the bottom portion. Appraisal is incomplete. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received legible copy of the Appraisal - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 152 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 801, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838485 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-06 15:31 | 2025-06-06 17:33 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-The finding can be resolved as insurance has accepted defense - Due Diligence Vendor-06/06/2025 <br> Open-Per the condo questionnaire the subject HOA is involved in pending litigation. The first pending litigation(xxxxxx vs HOA) is against the HOA with action being an unlimited civil action that could exceed $25,000.00 and would be considered major. Document states there is no construction or structural defect litigation, attorney letter(page 1184) states litigation has been accepted by the insurance company and that the insurance has sufficient coverage for any claimed litigation loss, the lawsuit should not affect the homeowners ability to transfer title. 2nd pending litigation (xxxxxx vs HOA) attorney letters(page 1237) stating that litigation has been accepted by the insurance company and that the insurance has sufficient coverage for any claimed litigation loss, the lawsuit should not affect the homeowners ability to transfer title. No documentation provided to support the amount of the lawsuit and unable to determine if major or minor. Document states there is no construction or structural defect litigation 3rd pending litigation (xxxxxx vs HOA) is against the HOA. Attorney letter(page 1240 in the stating that litigation has been accepted by the insurance company and that the insurance has sufficient coverage for any claimed litigation loss, the lawsuit should not affect the homeowners ability to transfer title. The lawsuit document in the file do not state damages, the lawsuit is for obstruction of justice, false imprisonment, restraint of trade, violation 20001 Disability act, violation Whistleblower act, violation off xxxxxx Constitution, Negligence causing harm and abuse of power. Lawsuit would be considered major . document states there is no construction or structural defect litigation involving any of the HOA corporations. - Due Diligence Vendor-06/06/2025 |  | Resolved-The finding can be resolved as insurance has accepted defense - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 152 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 801, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838487 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 14:47 | 2025-06-09 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Employment Authorization Document. - Due Diligence Vendor-06/09/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing Borrower Citizenship Documentation. - Due Diligence Vendor-06/04/2025 |  | Resolved-Received Employment Authorization Document. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 720; guidelines require 700. <br>Long term residence - 21 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838494 | xxxxxx D A | Closed | xxxxxx | 2025-06-16 11:16 | 2025-06-23 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title report. - Due Diligence Vendor-06/23/2025 <br> Open-Title Document is missing Missing coverage and chain of title - Due Diligence Vendor-06/16/2025 |  | Resolved-Received preliminary title report. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 767 vs. min 660 @ 70%<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838494 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 14:06 | 2025-06-23 08:59 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received insurance documents confirm rent loss coverage. - Due Diligence Vendor-06/23/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Missing 6 months rent loss coverage required - Due Diligence Vendor-06/17/2025 |  | Resolved-Received insurance documents confirm rent loss coverage. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 767 vs. min 660 @ 70%<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838518 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838529 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838549 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 12:30 | 2025-06-17 13:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow the DSCR to be below 1.26. - Due Diligence Vendor-06/17/2025 <br> Counter-Received screen shot of exception for loan amount only. Original finding remains. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-The Calculated DSCR of '1.221' is less than the minimum DSCR per lender guidelines of '1.26'. Minimum DSCR is 1.26 per Exception approval - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow the DSCR to be below 1.26. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. Borrower Reserves >96 months ($130,515.18) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 838549 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 10:10 | 2025-06-11 12:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/11/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 EXCEPTION in file for loan amount of xxxxxx, under $150,000 minimum<br> Exception Results:<br> Approved with .25 to price<br> 90 months of reserves required - cash out can be used as reserves<br> DSCR cannot fall below 1.26<br> Any changes to the comp factors above will require the exception to be reviewed by committee again for approval - Due Diligence Vendor-06/11/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. Borrower Reserves >96 months ($130,515.18) | 90 mos reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 838574 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838585 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838596 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838600 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838603 | xxxxxx C B A | Closed | xxxxxx | 2025-07-22 13:06 | 2025-07-24 12:09 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Document Uploaded. Client Waiver applied to non-material finding - Comp Factors have been updated - email from Investor uploaded - Due Diligence Vendor-07/24/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Property listed for sale in past six months not allowed. \*Per exception parameters on pg 983 FICO was 711-finding remains open. - Due Diligence Vendor-07/22/2025 |  | Waived-Document Uploaded. Client Waiver applied to non-material finding - Comp Factors have been updated - email from Investor uploaded - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 688<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38% | DTI < 40%<br> FICO = 688<br> Reserves > 3 months (actual 3.74) | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838603 | xxxxxx C B A | Closed | xxxxxx | 2025-07-20 14:29 | 2025-07-22 13:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review Transaction is a 1st mortgage cash out-xxxxxx labels their notes/mtg as "equity" - Due Diligence Vendor-07/22/2025 <br> Open-Missing first mortgage DOT/ Mortgage. What was provided was a Home Equity Security Instrument (xxxxxx does not allow HELOC for xxxxxx). - Due Diligence Vendor-07/22/2025 |  | Resolved-Upon further review Transaction is a 1st mortgage cash out-xxxxxx labels their notes/mtg as "equity" - Due Diligence Vendor-07/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 688<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838603 | xxxxxx C B A | Closed | xxxxxx | 2025-07-17 13:27 | 2025-07-17 13:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/17/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 688<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838603 | xxxxxx C B A | Closed | xxxxxx | 2025-07-17 12:27 | 2025-07-17 13:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 688<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838609 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 07:53 | 2025-06-30 07:57 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. PCCD & final SS uploaded - Seller-06/27/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date xxxxxx. - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. PCCD & final SS uploaded - Seller-06/27/2025<br>| Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 is more than 20 points higher than the guideline min of 680.<br>CLTV is less than guidelines maximum - Qualifying CLTV 37.51 is less than guideline max of 75. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838611 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 09:05 | 2025-06-18 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Commitment. - Due Diligence Vendor-06/18/2025 <br> Open-Title Document is missing Missing Title Document. Additionally, findings may apply upon receipt. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received Commitment. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - 107 months reserves; 12 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838611 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 09:15 | 2025-06-18 14:27 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-06/18/2025 <br> Open-Additional valuation product has not been provided. Missing second valuation product. Additionally, findings may apply upon receipt. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - 107 months reserves; 12 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838618 | xxxxxx C A B | Closed | xxxxxx | 2025-06-24 14:21 | 2025-06-30 09:39 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, guidelines require 30 days. - Due Diligence Vendor-06/30/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 18 days old - Due Diligence Vendor-06/25/2025 |  | Resolved-Upon further review, guidelines require 30 days. - Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - 66.15% < 75% allowed<br>Credit history exceeds minimum required - Credit History = 396 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 701 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838618 | xxxxxx C A B | Closed | xxxxxx | 2025-06-23 14:39 | 2025-06-30 08:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx. - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $124.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $124.50 (Origintion Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $124.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations <br> - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-Received COC xxxxxx. - Due Diligence Vendor-06/30/2025 | CLTV is less than guidelines maximum - 66.15% < 75% allowed<br>Credit history exceeds minimum required - Credit History = 396 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 701 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838627 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838628 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 838661 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 12:26 | 2025-06-12 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Cannot run fraud report given borrower is a foreign national. - Seller-06/06/2025 <br> Open-Missing Third Party Fraud Report Provide the required fraud Report - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Ready for Review-Cannot run fraud report given borrower is a foreign national. - Seller-06/06/2025<br>| Resolved-Received fraud report. - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - LTV 60% is lower than maximum 65%<br>Months Reserves exceed minimum required - 100.29 months reserves exceed required 6 by 94.29 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838661 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 12:45 | 2025-06-09 14:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/05/2025 <br> Open-Missing Approval/Underwriting Summary No 1008 or loan Approval. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/05/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-06/09/2025<br>| LTV is less than guideline maximum - LTV 60% is lower than maximum 65%<br>Months Reserves exceed minimum required - 100.29 months reserves exceed required 6 by 94.29 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838680 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838685 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 13:47 | 2025-07-21 08:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx, fees paid to other. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ....(Credit Report Fee) in section B is payable to Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. [No invoice in file to determine who retained fee]<br> - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 |  | Resolved-Received PCCD xxxxxx, fees paid to other. - Due Diligence Vendor-07/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - 718 FICO with 660 min<br>Qualifying DTI below maximum allowed - 21.69% DTI with 50% max<br>Months Reserves exceed minimum required - 10.73 months reserves with 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838685 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 13:37 | 2025-07-08 13:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-07/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 718 FICO with 660 min<br>Qualifying DTI below maximum allowed - 21.69% DTI with 50% max<br>Months Reserves exceed minimum required - 10.73 months reserves with 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838707 | xxxxxx C A | Closed | xxxxxx | 2025-05-29 09:32 | 2025-06-03 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation of prepay addendum and rider. - Due Diligence Vendor-06/03/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '0'. PPP Addendum/Rider is missing. Documents in the file support the loan has a prepayment penalty. - Due Diligence Vendor-05/29/2025 |  | Resolved-Received confirmation of prepay addendum and rider. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 91 months, guidelines require 3 months.<br>LTV is less than guideline maximum - The calculated LTV is 51.72%, guideline maximum is 75%. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838719 | xxxxxx C A | Closed | xxxxxx | 2025-07-07 17:53 | 2025-07-18 09:01 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received milestone inspection report. - Due Diligence Vendor-07/18/2025 <br> Open-The file does not contain the required structural engineer report per xxxxxx law. Subject xxxxxx. - Due Diligence Vendor-07/07/2025 |  | Resolved-Received milestone inspection report. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - 137 months reserves with 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 744 FICO with 620 min |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838727 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 14:17 | 2025-06-13 13:00 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/05/2025 <br> Open-Missing Approval/Underwriting Summary Missing 1008/Approval - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/05/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-06/09/2025<br>| Months Reserves exceed minimum required - 103.02 months reserves exceed required 6 by 97.02 months<br>LTV is less than guideline maximum - LTV 61.72% is lower than maximum 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838727 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 14:03 | 2025-06-13 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Counter-Documentation is insufficient-original finding remains. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Cannot run fraud report on a foreign national. - Seller-06/06/2025 <br> Open-Missing Third Party Fraud Report Fraud Report is required - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Ready for Review-Cannot run fraud report on a foreign national. - Seller-06/06/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - 103.02 months reserves exceed required 6 by 97.02 months<br>LTV is less than guideline maximum - LTV 61.72% is lower than maximum 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838728 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 838729 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838757 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 838805 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838811 | xxxxxx D B A | Closed | xxxxxx | 2025-06-17 12:41 | 2025-07-23 13:51 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received attestation from lender that they have no affiliated business relationship with service providers used in this transaction. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/23/2025 <br> Counter-----Per TRID guidelines, it is required to provide affiliates of lender. If lender affiiates were not used then an attestation that lender affiliates were not used is acceptable. - Due Diligence Vendor-07/15/2025 <br> Counter-----Received xxxxxx for broker, please provide xxxxxx for lender. - Due Diligence Vendor-07/11/2025 <br> Counter-Title Fees in Section B are paid to vendor not listed on Service Provider list. Provide evidence that these fees are not paid to an affiliate. - Due Diligence Vendor-07/07/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-06/17/2025 |  | Waived-Received attestation from lender that they have no affiliated business relationship with service providers used in this transaction. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 707 is at least 20 points above minimum for program 680.<br>CLTV is less than guidelines maximum - CLTV 69.14 is less than guidelines maximum 85% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 838811 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 09:50 | 2025-07-11 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Upon further review, the borrower is income is within the guidelines. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Uploading this commentary from the lender directly to Clariffi as the push from xxxxxx on xxxxxx doesn't appear to have gone thru......We respectfully request that this condition be waived, as the borrowers qualifying income was calculated using current bi-weekly paystubsnot W2s. The W2s were referenced solely to confirm employment continuity, and the year-over-year variance is within 20%, which aligns with industry standard tolerance. - Buyer-07/09/2025 <br> Open-W2 2023 income lower than 2024. Provide an explanation for variance in income. Additional conditions may apply, - Due Diligence Vendor-06/20/2025 |  | Resolved-Upon further review, the borrower is income is within the guidelines. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 707 is at least 20 points above minimum for program 680.<br>CLTV is less than guidelines maximum - CLTV 69.14 is less than guidelines maximum 85% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838811 | xxxxxx D B A | Closed | xxxxxx | 2025-06-17 12:56 | 2025-07-07 09:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. <br> - Due Diligence Vendor-06/17/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 707 is at least 20 points above minimum for program 680.<br>CLTV is less than guidelines maximum - CLTV 69.14 is less than guidelines maximum 85% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838815 | xxxxxx D A | Closed | xxxxxx | 2025-07-01 12:55 | 2025-07-15 10:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received CD xxxxxx with evidence of delivery on xxxxxx. Finding resolved. - Due Diligence Vendor-07/15/2025 <br> Counter-----Initial file contains one Closing Disclosure dated xxxxxx. Provide initial CD provided at least 3 business days prior to closing. Statute of limitations 3 years, expirated date xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Open-Missing Initial CD, unable to test fees. Additional findings may apply upon receipt. - Due Diligence Vendor-07/01/2025 |  | Resolved-Received CD xxxxxx with evidence of delivery on xxxxxx. Finding resolved. - Due Diligence Vendor-07/15/2025 | CLTV is less than guidelines maximum - Guidelines allow CLTV to 90%. Subject loan CLTV is 70.11%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 785. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838817 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838821 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 838835 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 13:44 | 2025-07-16 09:40 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-07/16/2025 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Final 1003 and Final CD was Signed by borrower xxxxxx. The Note and Mortgage was dated xxxxxx. - Due Diligence Vendor-06/30/2025 |  | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 36.01% is lower than allowable 50% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838835 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 13:44 | 2025-07-16 09:40 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-07/16/2025 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx Final 1003 and Final CD was Signed by Co borrower xxxxxx. The Note and Mortgage was dated xxxxxx. - Due Diligence Vendor-06/30/2025 |  | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 36.01% is lower than allowable 50% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838835 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 14:24 | 2025-07-15 09:18 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD xxxxxx, copy of check $20.00, LOX and evidence of delivery. Finding cured - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,288.60) exceed the comparable charges ($2,652.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Title Insurance and Sales Tax Title insurance) increased by $371.40. without a valid COC in file. The Final Cd provided a credit of $256.26 for increase in closing costs above the legal limit. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $115.14, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Cured-Received PCCD xxxxxx, copy of check $20.00, LOX and evidence of delivery. Finding cured - Due Diligence Vendor-07/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 36.01% is lower than allowable 50% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838835 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 14:24 | 2025-07-15 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-No waiting period required. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. Missing valid COC for applicable increases. Statute of Limitations 3 years - Expiration date xxxxxx - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-No waiting period required. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 36.01% is lower than allowable 50% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838838 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 838839 | xxxxxx C A | Closed | xxxxxx | 2025-07-09 07:06 | 2025-07-14 11:24 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Final settlement statement received with gift of equity. - Due Diligence Vendor-07/14/2025 <br> Open-Missing Buyers Final CD / Settlement statement confirming gift of equity for $48,459 - Due Diligence Vendor-07/09/2025 |  | Resolved-Final settlement statement received with gift of equity. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - 37.19% Qualifying DTI below 50% maximum allowed<br>Months Reserves exceed minimum required - 7.93 Months Reserves exceed 4 month minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838840 | xxxxxx C A | Closed | xxxxxx | 2025-06-28 10:50 | 2025-07-03 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement confirming paid current. - Due Diligence Vendor-07/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- missing mortgage payment from primary residence mtg payment being made for 2/25, 3/25 and 4/25. <br> only provided 5/25 - Due Diligence Vendor-06/28/2025 |  | Resolved-Received credit supplement confirming paid current. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 785; minimum score 680.<br>Months Reserves exceed minimum required - 22.63 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838840 | xxxxxx C A | Closed | xxxxxx | 2025-07-03 09:07 | 2025-07-03 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received initial CD xxxxxx, COC xxxxxx - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-07/03/2025 |  | Resolved-Received initial CD xxxxxx, COC xxxxxx - Due Diligence Vendor-07/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 785; minimum score 680.<br>Months Reserves exceed minimum required - 22.63 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838840 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 10:02 | 2025-07-03 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx for increase in discount points. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,482.03.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Zero (0%) tolerance fees increased by $4,482.03 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,482.03, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year - Expiration Date is xxxxxx [COC for increase in file, this finding is due to the final CD dated xxxxxx being issued less than 3 days from the initial CD dated xxxxxx]. - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 |  | Resolved-Received COC xxxxxx for increase in discount points. - Due Diligence Vendor-07/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 785; minimum score 680.<br>Months Reserves exceed minimum required - 22.63 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838840 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 10:02 | 2025-07-03 09:07 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial CD xxxxxx, COC xxxxxx - Due Diligence Vendor-08/12/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 |  | Resolved-Received initial CD xxxxxx, COC xxxxxx - Due Diligence Vendor-08/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 785; minimum score 680.<br>Months Reserves exceed minimum required - 22.63 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 14:12 | 2025-07-31 09:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver for minimal purchase contract addendum items not validated, applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-07/24/2025 <br> Open-Per contract seller will pay the borrower $2500 outside of escrow for the replacement of the xxxxxx; both are considered an inducement to purchase and sales price however the purchase price was not reduced by this amount. Reduction of purchase price would place LTV at 80.09% - Due Diligence Vendor-06/30/2025 |  | Waived-Client provided a waiver for minimal purchase contract addendum items not validated, applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 13:22 | 2025-07-31 09:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Client provided a waiver to exclude addendums and noted inspections, applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025 <br> Counter-Client Comments - The legal contract was entered on xxxxxx between xxxxxx and xxxxxx. The property is a complete remodel. Please note that a building permit was applied for on xxxxxx which is contained in the file. The Certificate of Occupancy was finalized on xxxxxx. Thus there was xxxxxx to the satisfaction of the borrowers. Appraisal completed xxxxxx shows xxxxxx. Please note that a building permit was applied for on xxxxxx. The Certificate of Occupancy was finalized on xxxxxx. Thus there was xxxxxx to the satisfaction of the borrowers. Given this information, we should not need these reports. Appraisal shows remodel, CO issues and consummation took place which indicates terms were agreed to. All of these items are logical that there is no existing issue with the roof or pest inspection, nor home inspection. Please review appraisal photos as well. xxxxxx. - AUDIT RESPONSE - Please provide the reports as required by the contract.<br> - Due Diligence Vendor-07/28/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Per Addendum #2 the following reports were incorporated into the contract but were NOT provided, missing the following addendums (major issues were identified per agreement of repairs): xxxxxx Pest Inspection Report - Additional conditions may apply if agreed repairs do not cover disclosed issues in addendums. - Due Diligence Vendor-06/30/2025 |  | Waived-Client provided a waiver to exclude addendums and noted inspections, applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 12:56 | 2025-07-28 12:07 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx | Resolved-Upon further review, the xxxxxx is the xxxxxx. - Due Diligence Vendor-07/28/2025 <br> Open-xxxxxx referenced on Addendum 2. Missing xxxxxx documentation. Absence of a UCC filing on title alone does not negate the need to properly document and qualify xxxxxx. Appraiser also makes not mention. Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Upon further review, the xxxxxx is the xxxxxx. - Due Diligence Vendor-07/28/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 14:26 | 2025-07-28 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received acceptable LOE from the borrower. Subject was marketed appropriately. - Due Diligence Vendor-07/28/2025 <br> Open-Per sale history shown on appraisal, subject is a flip with an increase over 10% and was NOT marketed openly and fairly, through a multiple listing service, auction, for sale by owner offering (documented) or developer marketing which makes the transaction ineligible. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received acceptable LOE from the borrower. Subject was marketed appropriately. - Due Diligence Vendor-07/28/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 12:54 | 2025-07-21 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Final title provided confirming taxes are current. - Due Diligence Vendor-07/21/2025 <br> Open-Title Document is Incomplete Preliminary title report provided is over 120 days old and is expired and missing evidence property taxes were paid current as CD/Seller's Statement does not show payment of past due taxes. Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Final title provided confirming taxes are current. - Due Diligence Vendor-07/21/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 12:54 | 2025-07-21 10:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title reflecting sufficient coverage. - Due Diligence Vendor-07/17/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement showing proposed lender, proposed borrower, and loan amount. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received final title reflecting sufficient coverage. - Due Diligence Vendor-07/17/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 12:54 | 2025-07-21 10:27 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received LLC filing and conversion to xxxxxx in 2025. - Due Diligence Vendor-07/11/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing proof that the borrower does not have any ownership interest in the current owning entity. Audit unable to confirm via online sources which do no match the seller vested LLC (shows Corp). Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received LLC filing and conversion to xxxxxx General Stock Corporation in 2025. - Due Diligence Vendor-07/11/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 13:22 | 2025-07-21 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Received LOE confirming arms length transaction. - Due Diligence Vendor-07/21/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Based on last purchase, subject is considered a flip. Missing borrower's statement of relationship between the borrower and seller. If no relationship, then explicit details detailing how the borrower learned of the sale must be provided. Non-arm's length not eligible for flip transaction. Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received LOE confirming arms length transaction. - Due Diligence Vendor-07/21/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-26 14:59 | 2025-07-09 10:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received confirmation originators xxxxxx is reflecting on security instrument. - Due Diligence Vendor-07/09/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing lender xxxxxx - Due Diligence Vendor-06/26/2025 |  | Resolved-Received confirmation originators xxxxxx is reflecting on security instrument. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-26 14:53 | 2025-07-09 10:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received confirmation originators xxxxxx reflecting on Note. - Due Diligence Vendor-07/09/2025 <br> Open-There are Issues Present on the Note that must be addressed. missing lender xxxxxx number - Due Diligence Vendor-06/26/2025 |  | Resolved-Received confirmation originators xxxxxx reflecting on Note. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838843 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-30 12:57 | 2025-06-30 14:25 | Resolved | 1 - Information C A | Property | Property | Flip or Rapid Resale of Property | Resolved-Upon further review, used alternate finding. - Due Diligence Vendor-06/30/2025 <br> Open-Subject is a flip with an increase over 10% and was NOT marketed openly and fairly, through a multiple listing service, auction, for sale by owner offering (documented) or developer marketing which makes the transaction ineligible. - Due Diligence Vendor-06/30/2025 |  | Resolved-Upon further review, used alternate finding. - Due Diligence Vendor-06/30/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41.71%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768; minimum required 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838854 | xxxxxx B A | Closed | xxxxxx | 2025-06-04 12:27 | 2025-06-10 10:49 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval. - Due Diligence Vendor-06/09/2025 <br> Open-Missing Approval/Underwriting Summary Missing 1008/Approval - Due Diligence Vendor-06/05/2025 |  | Resolved-Received Approval. - Due Diligence Vendor-06/09/2025<br>| Months Reserves exceed minimum required - 9 months available vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 718 vs. 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838934 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838965 | xxxxxx C B A | Closed | xxxxxx | 2025-07-02 14:07 | 2025-07-24 09:47 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD xxxxxx with lender credit of $125. Copy of refund for $125, LOE to borrower and proof of delivery. - Due Diligence Vendor-07/24/2025 <br> Open- - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. 7/23/25 - Please see attached cure docs - Seller-07/23/2025 <br> Counter-Received PCCD xxxxxx, LOE and refund check for $25. However, the recording fee increased from $300 on final CD to $400 on PCCD. The refund amount is now $125. Additionally, since the refund is more than $35 proof of delivery is required. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($300.00) exceed the comparable charges ($250.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $25.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statue of Limitations expires on xxxxxx.<br> - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. 7/23/25 - Please see attached cure docs - Seller-07/23/2025<br>| Cured-Received PCCD xxxxxx with lender credit of $125. Copy of refund for $125, LOE to borrower and proof of delivery. - Due Diligence Vendor-07/24/2025 | LTV is less than guideline maximum - Max LTV 70% / Subject LTV 64.42%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 706 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838965 | xxxxxx C B A | Closed | xxxxxx | 2025-07-02 13:17 | 2025-07-02 14:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/02/2025<br>| LTV is less than guideline maximum - Max LTV 70% / Subject LTV 64.42%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 706 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 839324 | xxxxxx D A C | Closed | xxxxxx | 2025-07-21 22:21 | 2025-07-30 09:26 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Originator xxxxxx reflecting on Note. - Due Diligence Vendor-07/30/2025 <br> Open-There are Issues Present on the Note that must be addressed. Lender xxxxxx# is not listed on the Note. - Due Diligence Vendor-07/22/2025 |  | Resolved-Originator xxxxxx reflecting on Note. - Due Diligence Vendor-07/30/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Months Reserves exceed minimum required - 39.33 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839324 | xxxxxx D A C | Closed | xxxxxx | 2025-07-24 09:08 | 2025-07-30 09:25 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/30/2025 <br> Open-Additional valuation product has not been provided. Missing CDA desk review or CU or LCA scores less than 2.5 score. - Due Diligence Vendor-07/24/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-07/30/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Months Reserves exceed minimum required - 39.33 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839326 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839329 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 839341 | xxxxxx D B A | Closed | xxxxxx | 2025-06-19 11:23 | 2025-06-19 11:38 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client exception granted to allow no ordinance of law coverage for part a, Non-material waiver applied with comp factors - Due Diligence Vendor-06/19/2025 <br> Open-Condo Master Insurance Policy Partially Provided Exception HOA Master Insurance does not have Building Ordinance or Law Coverage Part A. - Due Diligence Vendor-06/19/2025 |  | Waived-Client exception granted to allow no ordinance of law coverage for part a, Non-material waiver applied with comp factors. - Due Diligence Vendor-06/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 792.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 37 months. | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839350 | xxxxxx D B A | Closed | xxxxxx | 2025-06-28 19:27 | 2025-07-11 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received corrected 1008 removing estimate for HO6. - Due Diligence Vendor-07/11/2025 <br> Counter-Received confirmation of walls in coverage and no HO6 policy. 1008 reflects $100 insurance premium - please clarify - Due Diligence Vendor-07/07/2025 <br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-06/28/2025 |  | Resolved-Received corrected 1008 removing estimate for HO6. - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 775 Qualifying FICO score is at least 20 points above 660 minimum for program<br>Months Reserves exceed minimum required - 13.76 months reserves with 6 months min. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839350 | xxxxxx D B A | Closed | xxxxxx | 2025-06-30 10:10 | 2025-06-30 10:14 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client exception granted to allow for alternative documentation for the two months of cash payments. - Due Diligence Vendor-06/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Allow VOR with documented cash payments (except June 2025 and Oct 2024 only $1000) Vs VOR must be supported by alternative documentation showing the most recent 6-month history. - Due Diligence Vendor-06/30/2025 |  | Waived-Client exception granted to allow for alternative documentation for the two months of cash payments. Non-material waiver applied to finding with compensating factors- Due Diligence Vendor-06/30/2025 | LTV is less than guideline maximum - 80% LTV is less than 85% guideline maximum<br> Qualifying FICO score is at least 20 points above minimum for program - 775 Qualifying FICO score is at least 20 points above 660 minimum for program<br> Months Reserves exceed minimum required - 13.76 months reserves with 6 months min. | Credit Score 30+ points > minimum required<br> Self-employed for > 5 years<br> Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839365 | xxxxxx B A | Closed | xxxxxx | 2025-07-15 14:53 | 2025-07-15 15:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/15/2025<br>| Months Reserves exceed minimum required - > 24 months available vs. 0 required<br>CLTV is less than guidelines maximum - 63.12% CLTV vs. max CLTV 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839378 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839438 | xxxxxx C B A | Closed | xxxxxx | 2025-06-19 20:03 | 2025-08-01 16:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-08/01/2025 <br> Counter-Received Modification Agreement dated xxxxxx-confiring does not meet 24 months requirement. - Due Diligence Vendor-08/01/2025 <br> Counter-Received credit supplement confirming modification date xxxxxx-does not meet 24 months requirement-page 5 of guidelines. - Due Diligence Vendor-07/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. Credit Report reflect the mortgage has had a Modification. Missing Modification Agreement to support the loan modification has been seasoned for 24 months. - Due Diligence Vendor-06/20/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-08/01/2025<br>| Qualifying DTI below maximum allowed - DTI is 33.19% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 703 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% | Credit Score 20 points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839441 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839452 | xxxxxx B A | Closed | xxxxxx | 2025-07-17 18:42 | 2025-07-18 12:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Client exception granted to allow Rural property, Non-materialwaiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-07/17/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Client exception granted to allow Rural property, Non-materialwaiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 802 <br>Months Reserves exceed minimum required - 114 mths reserves; 6 mths required. | LTV 10% or more <br> FICO 30+ points<br> Resid Inc <br> Employed same job 10+ yrs <br> Reserves exceed 10 mths or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839453 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 14:59 | 2025-07-24 16:59 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Exception Request is for Account with a Deceased Individual - bringing the DTI down under 50% was part of that Exception Approval. The Credit Supp shows new balance and $3 Payment - a $10 Payment was used per guides and Borrower DTI is below 50% - Due Diligence Vendor-07/24/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). xxxxxx was omitted stating that it was paid in full prior to close. missing supplement and the assets used to do so. - Due Diligence Vendor-07/08/2025 |  | Resolved-Exception Request is for Account with a Deceased Individual - bringing the DTI down under 50% was part of that Exception Approval. The Credit Supp shows new balance and $3 Payment - a $10 Payment was used per guides and Borrower DTI is below 50% - Due Diligence Vendor-07/24/2025 | Months Reserves exceed minimum required - 755 vs. min FICO 660<br>LTV is less than guideline maximum - 80% LTV vs. max LTV 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839453 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 16:15 | 2025-07-18 14:11 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit supplement provide, the account is not paid in full. Added the new payment terms to the system. - Due Diligence Vendor-07/18/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending evidence of excluded debt. - Due Diligence Vendor-07/08/2025 |  | Resolved-Credit supplement provide, the account is not paid in full. Added the new payment terms to the system. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - 755 vs. min FICO 660<br>LTV is less than guideline maximum - 80% LTV vs. max LTV 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839453 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 16:15 | 2025-07-18 14:11 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-Credit supplement provide, the account is not paid in full. Added the new payment terms to the system. - Due Diligence Vendor-07/18/2025 <br> Counter-Received credit supplement dated 6/10 reflecting balance-provide confirmation paid in full per exception request. - Due Diligence Vendor-07/16/2025 <br> Counter-Per Exception Request/Approval in file - Excluding xxxxxx and that a Credit Supplement has been ordered to confirm the account is Paid in Full, File is missing Credit Supplement showing Paid in Full. - Due Diligence Vendor-07/11/2025 <br> Counter-Pending evidence of excluded debt. - Due Diligence Vendor-07/11/2025 <br> Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio Pending evidence of excluded debt. - Due Diligence Vendor-07/08/2025 |  | Resolved-Credit supplement provide, the account is not paid in full. Added the new payment terms to the system. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - 755 vs. min FICO 660<br>LTV is less than guideline maximum - 80% LTV vs. max LTV 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839453 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 16:10 | 2025-07-08 16:18 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow non-borrower to be on assets used for income, Non-materialwaiver applied with comp factors. non-material due to additional person is deceased and client has been on asset for the previous 3 months. - Due Diligence Vendor-07/08/2025 <br> Open-Income and Employment Do Not Meet Guidelines Asset depletion requires all persons on the bank statement to be on the loan. Deceased individual is on the statements. - Due Diligence Vendor-07/08/2025 |  | Waived-Client exception granted to allow non-borrower to be on assets used for income, Non-materialwaiver applied with comp factors. non-material due to additional person is deceased and client has been on asset for the previous 3 months. - Due Diligence Vendor-07/08/2025 | Months Reserves exceed minimum required - 755 vs. min FICO 660<br>LTV is less than guideline maximum - 80% LTV vs. max LTV 90% | FICO > 30+ Points<br> Reserves exceed 10 months. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839453 | xxxxxx C B A | Closed | xxxxxx | 2025-07-01 15:49 | 2025-07-01 15:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-07/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-07/01/2025 | Months Reserves exceed minimum required - 755 vs. min FICO 660<br>LTV is less than guideline maximum - 80% LTV vs. max LTV 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839455 | xxxxxx D A | Closed | xxxxxx | 2025-06-04 13:55 | 2025-06-12 11:19 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-06/12/2025 <br> Open-Additional valuation product has not been provided. Missing Additional valuation product. - Due Diligence Vendor-06/04/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-06/12/2025 | LTV is less than guideline maximum - LTV 26% LTV. Allowed 75%<br>Months Reserves exceed minimum required - 58 months reserves; 9 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839463 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-19 10:32 | 2025-07-15 09:37 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received copy of check in the amount of $12.36, post-close CD xxxxxx, LOE and evidence of delivery to borrower - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $12.36.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $12.36 (Credit report fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $12.36, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/19/2025 |  | Cured-Received copy of check in the amount of $12.36, post-close CD xxxxxx, LOE and evidence of delivery to borrower - Due Diligence Vendor-07/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 802<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 72 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839463 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-23 17:27 | 2025-07-02 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOI. - Due Diligence Vendor-07/02/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/23/2025 |  | Resolved-Received VOI. - Due Diligence Vendor-07/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 802<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 72 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839463 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-23 17:39 | 2025-06-30 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-06/30/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-06/23/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 802<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 72 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839463 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-24 10:43 | 2025-06-24 10:45 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/24/2025 <br> Open-Insufficeint property insurance coverage for total number of units in project on master policy. However investor has an approved variance letter. - Due Diligence Vendor-06/24/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 802<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 72 months | Credit score 10+ points > mini<br> 0x30x43 on primary | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839485 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839491 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839494 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839525 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 11:22 | 2025-06-18 13:29 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property is in a Flood Zone that requires Flood Insurance but Flood Insurance is not Present | Resolved-Received Master Flood Policy. - Due Diligence Vendor-06/18/2025 <br> Open-Subject Property is in Flood Zone xxxxxx but Flood Insurance is not present. Missing Flood Insurance. - Due Diligence Vendor-06/12/2025 |  | Resolved-Received Master Flood Policy. - Due Diligence Vendor-06/18/2025 | Long term residence - 14 Years<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 748; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839525 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 11:44 | 2025-06-18 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-06/18/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire Document. Additionally, findings may apply upon receipt. - Due Diligence Vendor-06/12/2025 |  | Resolved-Received HOA questionnaire. - Due Diligence Vendor-06/18/2025 | Long term residence - 14 Years<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 748; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839534 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 12:51 | 2025-07-11 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/09/2025 <br> Counter-Business purpose provided, however we are missing the Guaranty Agreement. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/26/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-06/25/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 702<br>Months Reserves exceed minimum required - 12.15 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839534 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 13:02 | 2025-07-11 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received rent free letter. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/10/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing rent free letter from parents<br> - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/10/2025<br>| Resolved-Received rent free letter. - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 702<br>Months Reserves exceed minimum required - 12.15 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839534 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 06:42 | 2025-07-01 08:57 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-After further review, rent loss coverage is not required. - Due Diligence Vendor-07/01/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing.<br> - Due Diligence Vendor-06/25/2025 |  | Resolved-After further review, rent loss coverage is not required. - Due Diligence Vendor-07/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 702<br>Months Reserves exceed minimum required - 12.15 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839534 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 13:01 | 2025-06-27 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation borrower is not obligated on mortgage for xxxxxx. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/26/2025 <br> Open-Missing updated mortgage statement for REO to confirm current since not on credit report/supp. (Property xxxxxx) - Due Diligence Vendor-06/25/2025 |  | Resolved-Received confirmation borrower is not obligated on mortgage for xxxxxx. - Due Diligence Vendor-06/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 702<br>Months Reserves exceed minimum required - 12.15 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839534 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 07:23 | 2025-06-27 08:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/26/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Descrip - Due Diligence Vendor-06/25/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 702<br>Months Reserves exceed minimum required - 12.15 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839538 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 839557 | xxxxxx C B | Closed | xxxxxx | 2025-07-18 14:34 | 2025-08-11 08:10 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted to allow for Cash-Out [ Allow 0 months seasoning on a cash-out loan ($0 cash in hand) when cash out requires 6 month seasoning ]. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/18/2025 <br> Open-Allow 0 months seasoning on a cash-out loan ($0 cash in hand) when cash out requires 6 month seasoning. - Due Diligence Vendor-07/18/2025 |  | Waived-Client exception granted to allow for Cash-Out [ Allow 0 months seasoning on a cash-out loan ($0 cash in hand) when cash out requires 6 month seasoning ]. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/18/2025 | Qualifying DTI below maximum allowed - 27.74% DTI vs. max DTI of 50%<br>Months Reserves exceed minimum required - 32.45 months available vs. 6 required | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 10 points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Residual income more than 1.5x the amount required by guidelines<br> Employed in same profession > 5 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839557 | xxxxxx C B | Closed | xxxxxx | 2025-07-16 15:43 | 2025-07-18 10:55 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Public only- waived - Due Diligence Vendor-07/18/2025 <br> Open-xxxxxx<br> Incident Period: xxxxxx - xxxxxx<br> Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-07/16/2025 |  | Waived-Public only- waived - Due Diligence Vendor-07/18/2025<br>| Qualifying DTI below maximum allowed - 27.74% DTI vs. max DTI of 50%<br>Months Reserves exceed minimum required - 32.45 months available vs. 6 required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839557 | xxxxxx C B | Closed | xxxxxx | 2025-07-16 16:38 | 2025-07-17 12:26 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing income documentation | Waived-Client exception granted to allow for:<br> 1. Income documentation [ Typed 2024 1099 on a 2022 Form. Product does not require1099 transcripts which would normally get to validate the form but obtained a LOE from the employer to confirm the reported earnings ] . <br> 2. Cash-Out [ Allow 0 months seasoning on a cash-out loan ($0 cash in hand) when cash out requires 6 month seasoning ] .<br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/17/2025 <br> Open-Typed 2024 1099 on a 2022 Form. Product does not require<br> 1099 transcripts which would normally get to validate the form<br> but obtained a LOE from the employer to confirm the reported<br> earnings. An exception was provided. - Due Diligence Vendor-07/16/2025 |  | Waived-Client exception granted to allow for:<br> 1. Income documentation [ Typed 2024 1099 on a 2022 Form. Product does not require1099 transcripts which would normally get to validate the form but obtained a LOE from the employer to confirm the reported earnings ] . <br> 2. Cash-Out [ Allow 0 months seasoning on a cash-out loan ($0 cash in hand) when cash out requires 6 month seasoning ] .<br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/17/2025 | Qualifying DTI below maximum allowed - 27.74% DTI vs. max DTI of 50%<br>Months Reserves exceed minimum required - 32.45 months available vs. 6 required | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 10 points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Residual income more than 1.5x the amount required by guidelines<br> Employed in same profession > 5 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839557 | xxxxxx C B | Closed | xxxxxx | 2025-07-14 12:52 | 2025-07-14 16:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 | Qualifying DTI below maximum allowed - 27.74% DTI vs. max DTI of 50%<br>Months Reserves exceed minimum required - 32.45 months available vs. 6 required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839564 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 14:29 | 2025-07-14 09:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-----Recieved initial LE xxxxxx, finding resolved. - Due Diligence Vendor-07/14/2025 <br> Open------ missing initial LE dated xxxxxx per e-signature summary (xxxxxx) - Due Diligence Vendor-06/30/2025 |  | Resolved-----Recieved initial LE xxxxxx, finding resolved. - Due Diligence Vendor-07/14/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 9 months are higher than month minimum required 3<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 730 is higher than Guideline Min FICO of 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839570 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 20:45 | 2025-06-25 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-06/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-06/18/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Borrower has 20.52 months of reserves and none are required.<br>LTV is less than guideline maximum - LTV is 25% and max allowed is 70% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839570 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 20:47 | 2025-06-25 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM.gov for the borrower. - Due Diligence Vendor-06/25/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists. Missing Sam.gov for the borrower. - Due Diligence Vendor-06/18/2025 |  | Resolved-Received SAM.gov for the borrower. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Borrower has 20.52 months of reserves and none are required.<br>LTV is less than guideline maximum - LTV is 25% and max allowed is 70% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839575 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 16:18 | 2025-07-10 13:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 6 Income Trend is Decreasing | Resolved-After further review, the LOX's provided support the decreases in OT for 2025 and 2024. Condition is now resolved - Due Diligence Vendor-07/10/2025 <br> Counter-LOE provided is insufficient. Base and overtime appear to be declining. Finding remains. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. LOE was included in the original upload advising on the income decline. reuploaded - Seller-07/09/2025 <br> Open-Income 6 Income Trend is Decreasing Base wages decreased more than 20% each year and there is no explanation provided. LOE provided pg 330 states the base wage stayed the same but this conflicts with the WVOE base pay decreasing. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. LOE was included in the original upload advising on the income decline. reuploaded - Seller-07/09/2025<br>| Resolved-After further review, the LOX's provided support the decreases in OT for 2025 and 2024. Condition is now resolved - Due Diligence Vendor-07/10/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 40.19 is less than the guideline max of 80<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 711 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839583 | xxxxxx D A | Closed | xxxxxx | 2025-05-29 20:04 | 2025-06-04 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received corrected lease. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Attached is a revised lease agreement with the correct rent date. - Seller-06/03/2025 <br> Open-Lease in file contains a typo: start date of xxxxxx and end date of xxxxxx. Please provide updated lease with corrected dates. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Attached is a revised lease agreement with the correct rent date. - Seller-06/03/2025<br>| Resolved-Received corrected lease. - Due Diligence Vendor-06/04/2025<br>| DSCR % greater than 1.20 - DSCR % is 1.913<br>Qualifying FICO score is at least 20 points above minimum for program - 732 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 839584 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839585 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 15:58 | 2025-06-13 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD, gift documentation, gift letter and updated 1003-reflecting sufficient assets. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx,<br>they retracted the gift of $44,100 and updated it to $45,500,<br>Please see attached for proof of wire, post 1003 and updated gift letter - Seller-06/11/2025 <br> Counter-Received PCCD-insufficient assets validated-missing deposits into escrow of $45k,$5k and $5. 1003 reflects a gift of $44,100 and file did not contain Gift documentation and appears to be incorrect on 1003. Please provide sufficient assets, gift documentation and corrected 1003. Document sufficient 4 months P&I required reserves. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/05/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Missing additional asset that were sent to closing - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx,<br>they retracted the gift of $44,100 and updated it to $45,500,<br>Please see attached for proof of wire, post 1003 and updated gift letter - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/05/2025 | Resolved-Received PCCD, gift documentation, gift letter and updated 1003-reflecting sufficient assets. - Due Diligence Vendor-06/13/2025<br>| Verified employment history exceeds guidelines - 36+ month employment history exceed guidelines <br>Credit history exceeds minimum required - Credit history exceeds the minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839585 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 15:36 | 2025-06-13 14:20 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD, gift documentation, gift letter and updated 1003-reflecting sufficient assets. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx,<br>they retracted the gift of $44,100 and updated it to $45,500,<br>Please see attached for proof of wire, post 1003 and updated gift letter - Seller-06/11/2025 <br> Counter-Received PCCD-insufficient assets validated-missing deposits into escrow of $45k,$5k and $5. 1003 reflects a gift of $44,100 and file did not contain Gift documentation and appears to be incorrect on 1003. Please provide sufficient assets, gift documentation and corrected 1003. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see PCCD - Seller-06/05/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-14475.66'. Assets are Insufficient. Missing additional asset that were wired to closing - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx,<br>they retracted the gift of $44,100 and updated it to $45,500,<br>Please see attached for proof of wire, post 1003 and updated gift letter - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. Please see PCCD - Seller-06/05/2025 | Resolved-Received PCCD, gift documentation, gift letter and updated 1003-reflecting sufficient assets. - Due Diligence Vendor-06/13/2025<br>| Verified employment history exceeds guidelines - 36+ month employment history exceed guidelines <br>Credit history exceeds minimum required - Credit history exceeds the minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839585 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 14:51 | 2025-06-05 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Client has uploaded Gap Credit Report - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap credit. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/04/2025 | Resolved-Client has uploaded Gap Credit Report - Due Diligence Vendor-06/05/2025<br>| Verified employment history exceeds guidelines - 36+ month employment history exceed guidelines <br>Credit history exceeds minimum required - Credit history exceeds the minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839585 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 14:13 | 2025-06-05 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-For Sale by Owner - Fully Executed Escrow Instructions in file with Purchase Price and Seller Credits - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. This loan is for sales by owner so escrow instructions are the purchase contract. No agent. please waive this condition - Seller-06/05/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing sales contract. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. This loan is for sales by owner so escrow instructions are the purchase contract. No agent. please waive this condition - Seller-06/05/2025<br>| Resolved-For Sale by Owner - Fully Executed Escrow Instructions in file with Purchase Price and Seller Credits - Due Diligence Vendor-06/05/2025<br>| Verified employment history exceeds guidelines - 36+ month employment history exceed guidelines <br>Credit history exceeds minimum required - Credit history exceeds the minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839589 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-30 12:55 | 2025-07-16 11:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd attestation letter. xxxxxx hereby attests that no party involved in the settlement process was an affiliated business. - Due Diligence Vendor-07/16/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business Disclosure - Due Diligence Vendor-06/30/2025 |  | Resolved-Rec'd attestation letter. xxxxxx hereby attests that no party involved in the settlement process was an affiliated business. - Due Diligence Vendor-07/16/2025 | CLTV is less than guidelines maximum - CLTV 74.51% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 723 is higher than the required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839589 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-07 15:52 | 2025-07-07 16:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Requesting exception for mortgage statement or note for prior mortgage. Borrower inherited property from his parents and was not on the original loan. We have provided a payment history from the borrower's bank statement showing two payments but we do not have the statement (loan was paid off 10 months ago) or the note (loan was from xxxxxx). Since borrower was not obligated on the lien, the payments were not<br> his responsibility. - Due Diligence Vendor-07/07/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/07/2025<br>| CLTV is less than guidelines maximum - CLTV 74.51% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 723 is higher than the required 680 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Employed at same job > 10 years<br> Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839593 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 09:14 | 2025-07-25 09:46 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-Received divorce decree confirming all liabilities considered, final sale CD. - Due Diligence Vendor-07/16/2025 <br> Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio missing documentation of reo - Due Diligence Vendor-07/11/2025 |  | Resolved-Received divorce decree confirming all liabilities considered, final sale CD. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 11:55 | 2025-07-24 09:07 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM on DRIVE Report dated xxxxxx - within 10 days of Closing - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. 7/22/25 - please see drive report that includes xxxxxx - Seller-07/22/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Fraud UDM pulled > 10 days from the closing. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. 7/22/25 - please see drive report that includes xxxxxx - Seller-07/22/2025 | Resolved-UDM on DRIVE Report dated xxxxxx - within 10 days of Closing - Due Diligence Vendor-07/24/2025 | Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 08:26 | 2025-07-22 09:42 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Client provided a waiver for 12 month VOM on sold property, applied to non material finding with comp factors - Due Diligence Vendor-07/22/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. 7/18/25 - manually adding notes here as condition has Counter status and unable to ensure granted exception comments from xxxxxx is able to come thru - Buyer-07/18/2025 <br> Counter-Received Final Sale CD and credit supplement for 1st mortgage paid in full. CD reflects a 2nd mortgage, $xxxxxx paid off-missing 12 months acceptable VOM. - Due Diligence Vendor-07/15/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. • 1003 document sale of xxxxxx - the PR property. File does not include proof of sale. Credit report still reflect mortgage of $311 as not paid off. - Due Diligence Vendor-07/11/2025 |  | Waived-Client provided a waiver for 12 month VOM on sold property, applied to non material finding with comp factors - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. | Compensating Factor 1 - Residual income more than 2.5x the amount required by guidelines<br> Compensating Factor 2 - Current primary home ownership > 5 years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 09:25 | 2025-07-16 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received credit inquiry LOE confirming no new debt. - Due Diligence Vendor-07/16/2025 <br> Open-missing LOX for inq of what appear to be a car purchase xxxxxx- credit didn't reflect an open account to exclude need of lox. - Due Diligence Vendor-07/11/2025 |  | Resolved-Received credit inquiry LOE confirming no new debt. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 09:23 | 2025-07-16 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received final CD of sale of property sourcing large deposit. - Due Diligence Vendor-07/16/2025 <br> Open-EMD PG 964 from xxxxxx. xxxxxx document a large deposit of $72,127.77- Source of funds not provided. - Due Diligence Vendor-07/11/2025 |  | Resolved-Received final CD of sale of property sourcing large deposit. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 09:11 | 2025-07-16 09:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE confirming no new debt. - Due Diligence Vendor-07/16/2025 <br> Open-LOX for credit inquiries is missing. missing LOX for inq of what appear to be a car purchase 2/25- credit didn't reflect an open account to exclude need of lox. - Due Diligence Vendor-07/11/2025 |  | Resolved-Received credit inquiry LOE confirming no new debt. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 09:24 | 2025-07-16 09:39 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received gift letter, donor wire and receipt reflecting on final CD. - Due Diligence Vendor-07/16/2025 <br> Open-• Final CD pg 266 document a gift of $21000. Missing gift letter, proof of wire pg 1062. Not in name of borrower?. - Due Diligence Vendor-07/11/2025 |  | Resolved-Received gift letter, donor wire and receipt reflecting on final CD. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 09:29 | 2025-07-15 09:17 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval. - Due Diligence Vendor-07/15/2025 <br> Open-Missing Approval/Underwriting Summary file missing approval - Due Diligence Vendor-07/11/2025 |  | Resolved-Received approval. - Due Diligence Vendor-07/15/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 06:38 | 2025-07-15 09:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client provided a waiver for 85% LTV on rural property, applied to non material finding with comp factors - Due Diligence Vendor-07/16/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject property is considered Rural, per appraisal.<br> LTV is limited to 80% per Program Matrix - Due Diligence Vendor-07/11/2025 |  | Waived-Client provided a waiver for 85% LTV on rural property, applied to non material finding with comp factors - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. | Mortgage history <br> Employed > 5 years. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839601 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 07:25 | 2025-07-14 16:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-After further review, the borrower qualified using personal bank statements and a tax preparer letter is acceptable. - Due Diligence Vendor-07/14/2025 <br> Open-Income and Employment Do Not Meet Guidelines CPA provided by PTIN which is not acceptable per guideline pg 116. - Due Diligence Vendor-07/11/2025 |  | Resolved-After further review, the borrower qualified using personal bank statements and a tax preparer letter is acceptable. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI 48.01% less max allowable 50%.<br> LTV is less than guideline maximum - • Max loan amount 2,500,000.00; qualifying loan amount xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839609 | xxxxxx C A | Closed | xxxxxx | 2025-06-20 12:14 | 2025-07-07 10:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/07/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $10.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $10.00 (transfer tax) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 742<br>Months Reserves exceed minimum required - 14 mths reserves; 12 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839616 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 16:19 | 2025-07-03 08:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $774,579.94. The disclosed finance charge of $773,389.95 is not considered accurate because it is understated by more than $100. This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $774,579.94. The disclosed finance charge of $773,389.95 is not considered accurate because it is understated by more than $100 at $1,189.99. Provide evidence of refund or principal reduction of $1,189.99, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-06/13/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - 93 months reseves exceeds 12 month minimum required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 18.32% max 45%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839616 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 07:35 | 2025-06-30 16:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, only the loan originator organization and the individual loan originator are required to be on the loan application, Note and Mortgage - Due Diligence Vendor-06/30/2025 <br> Counter-Client comments - Please see page 4 of the note and page 16 of the mortgage. xxxxxx is noted. xxxxxx. - AUDIT RESPONSE - Note and Mortgage does not list the xxxxxx for xxxxxx., the lender on the Note.<br> - Due Diligence Vendor-06/30/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing xxxxxx for lender on note and mortgage - Due Diligence Vendor-06/16/2025 |  | Resolved-After further review, only the loan originator organization and the individual loan originator are required to be on the loan application, Note and Mortgage - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 93 months reseves exceeds 12 month minimum required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 18.32% max 45%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839616 | xxxxxx C A | Closed | xxxxxx | 2025-06-19 08:47 | 2025-06-30 10:30 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, guidelines allow tax preparers. - Due Diligence Vendor-06/30/2025 <br> Open-PTIN letter provided; Per guidelines requires CPA letter from tax preparer. - Due Diligence Vendor-06/19/2025 |  | Resolved-Upon further review, guidelines allow tax preparers. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 93 months reseves exceeds 12 month minimum required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 18.32% max 45%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839622 | xxxxxx D A C | Closed | xxxxxx | 2025-06-28 10:10 | 2025-07-21 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received revised P&L, 1008, 1003 and confirmation from Tax Preparer income based payroll expense to be added back. - Due Diligence Vendor-07/21/2025 <br> Counter-Review is unable to add back payroll expenses without confirmation from tax preparer that those are actual income. Finding remains. - Due Diligence Vendor-07/17/2025 <br> Counter-Corrected 1008 and 1003 reflecting $32,009.64 income provided. Reviewed income calc - P&L $341,369.95+$5,235 depreciation + $146,129.01 + $2,285.75 depreciation/17=$29,118.81 - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. PITIA for xxxxxx is $2,811.63. Updated P&L provided. Figures stay the same, but it shows the breakdown of the payroll expenses. - Seller-07/11/2025 <br> Counter-Considered correct PITIA on xxxxxx with no rental income, reviewed P&Ls-ratios are excessive at 52.85%-add back of payroll expenses is not eligible. - Due Diligence Vendor-07/11/2025 <br> Counter-Received corrected final 1003 reflecting P&I considered only. Validated PITIA for xxxxxx is $3,312.20-considering full PITIA ratios are 56% exceeding guidelines. Original finding remains. - Due Diligence Vendor-07/09/2025 <br> Open-Missing Lease agreement /Proof of rental income for REO (xxxxxx). Audit included the rental income - additional conditions may apply. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. PITIA for xxxxxx is $2,811.63. Updated P&L provided. Figures stay the same, but it shows the breakdown of the payroll expenses. - Seller-07/11/2025 | Resolved-Received revised P&L, 1008, 1003 and confirmation from Tax Preparer income based payroll expense to be added back. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 764<br>Months Reserves exceed minimum required - 7 months reserves; 4 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839622 | xxxxxx D A C | Closed | xxxxxx | 2025-06-30 06:46 | 2025-07-21 10:27 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/21/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Lease agreement /Proof of rental income for REO (xxxxxx). Audit included the rental income - additional conditions may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 764<br>Months Reserves exceed minimum required - 7 months reserves; 4 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839622 | xxxxxx D A C | Closed | xxxxxx | 2025-06-28 09:56 | 2025-07-11 11:18 | Resolved | 1 - Information C A | Property | Appraisal | Appraiser's license is expired/deficient | Resolved-Received confirmation from appraiser-only a template error on signature/license. - Due Diligence Vendor-07/11/2025 <br> Counter-Received appraisal reflecting correct license-license and signature changed from original report - explanation from appraiser required. - Due Diligence Vendor-07/07/2025 <br> Counter-Appraisal provided, however page 6 discloses the incorrect State Certification Number. Finding remains. - Due Diligence Vendor-07/02/2025 <br> Open-Appraiser Cert# doesn't match # on site(xxxxxx versus xxxxxx). Appraisal completed by xxxxxx but credentials listed are for a xxxxxx (page 6 of appraisal). - Due Diligence Vendor-06/30/2025 |  | Resolved-Received confirmation from appraiser-only a template error on signature/license. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 764<br>Months Reserves exceed minimum required - 7 months reserves; 4 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839622 | xxxxxx D A C | Closed | xxxxxx | 2025-06-28 10:07 | 2025-07-09 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA and lease. - Due Diligence Vendor-07/09/2025 <br> Open-Missing Mortgage Statement to confirm PITIA for REO (xxxxxx) - Due Diligence Vendor-06/28/2025 |  | Resolved-Received PITIA and lease. - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 764<br>Months Reserves exceed minimum required - 7 months reserves; 4 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839681 | xxxxxx C A | Closed | xxxxxx | 2025-07-03 12:34 | 2025-07-11 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received milestone inspection and follow up inspection. - Due Diligence Vendor-07/11/2025 <br> Open-The file does not contain the required structural engineer report per xxxxxx law. xxxxxx was built in xxxxxx and is over 30yrs and is xxxxxx or more. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received milestone inspection and follow up inspection. - Due Diligence Vendor-07/11/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 59 months <br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 700 is higher than the required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839681 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 23:54 | 2025-07-09 09:52 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial CD xxxxxx, signed xxxxxx. - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ... Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 |  | Resolved-Received initial CD xxxxxx, signed xxxxxx. - Due Diligence Vendor-07/09/2025 | On time mortgage history exceeds guideline requirement - 0x30x12 in the past 59 months <br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 700 is higher than the required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839681 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 23:54 | 2025-07-09 09:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and initial CD xxxxxx. - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ...Zero (0%) tolerance fees increased by $175 (Mobile Notary Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year- Expiration Date xxxxxx [COC for increase in file dated xxxxxx, finding fired due to Initial CD not being delivered to borrower at least business days prior to close]<br> - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 |  | Resolved-Received COC and initial CD xxxxxx. - Due Diligence Vendor-07/09/2025 | On time mortgage history exceeds guideline requirement - 0x30x12 in the past 59 months <br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 700 is higher than the required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839683 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839700 | xxxxxx C A | Closed | xxxxxx | 2025-06-20 09:31 | 2025-06-24 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, the loan file contained all required appraisal documentation. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Please review the appraisal report again, it is a 1025 - Small Residential Income Property Appraisal Report. All the operating income is reflected on the report. See page 2 of 7 of the 1025 report pages. - Seller-06/23/2025 <br> Open-Subject is xxxxxx. Missing operating income statement for the appraisal. - Due Diligence Vendor-06/20/2025 | Ready for Review-Please review the appraisal report again, it is a 1025 - Small Residential Income Property Appraisal Report. All the operating income is reflected on the report. See page 2 of 7 of the 1025 report pages. - Seller-06/23/2025 | Resolved-Upon further review, the loan file contained all required appraisal documentation. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - 10.87 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 30.2% max LTV 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839701 | xxxxxx D A | Closed | xxxxxx | 2025-06-29 15:54 | 2025-07-09 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal reflect Tenant occupied, updated CU and LCA. - Due Diligence Vendor-07/09/2025 <br> Open-Provide the appraisal reflecting Occupant as "Tenant", not "Owner". - Due Diligence Vendor-06/29/2025 |  | Resolved-Received corrected appraisal reflect Tenant occupied, updated CU and LCA. - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 720<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 107.57 mths in reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839701 | xxxxxx D A | Closed | xxxxxx | 2025-06-29 15:55 | 2025-06-30 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Upon further review VVOE is in file. - Due Diligence Vendor-06/30/2025 <br> Open-Provide updated VVOE for xxxxxx as the one in the file is current as of xxxxxx. - Due Diligence Vendor-06/29/2025 |  | Resolved-Upon further review VVOE is in file. - Due Diligence Vendor-06/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 720<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 107.57 mths in reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839701 | xxxxxx D A | Closed | xxxxxx | 2025-06-29 15:56 | 2025-06-30 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved-Upon further review Gap/UDM is in file. - Due Diligence Vendor-06/30/2025 <br> Open-Provide updated Gap Credit Report, as the one in the file expired ending xxxxxx. - Due Diligence Vendor-06/29/2025 |  | Resolved-Upon further review Gap/UDM is in file. - Due Diligence Vendor-06/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 720<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 107.57 mths in reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 14:06 | 2025-07-22 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Final PCCD does not reflect this lien and not other mortgages listed on title. - Due Diligence Vendor-07/09/2025 <br> Counter-PCCD reflects payoff to xxxxxx/Mortgage loan $4,981-original finding remains. - Due Diligence Vendor-07/07/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. • Will need Mortgage history for xxxxxx mortgage being paid on CD. - Due Diligence Vendor-06/26/2025 |  | Resolved-Final PCCD does not reflect this lien and not other mortgages listed on title. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 13:22 | 2025-07-21 10:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Award Letter and proof of receipt. - Due Diligence Vendor-07/21/2025 <br> Counter-Reviewer concurs on age for SSI income-missing awards letter - only received xxxxxx page. - Due Diligence Vendor-07/07/2025 <br> Open-Income and Employment Do Not Meet Guidelines SSI: SSI income used (not grossed up) IAO$3190. It appears borrower was receiving SSI as supplemental income while on disability. Borrower will need to provide proof of current receipt as per guideline. - Due Diligence Vendor-06/26/2025 |  | Resolved-Received Award Letter and proof of receipt. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-06-24 11:58 | 2025-07-03 15:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, the originator xxxxxx is listed on the Note and is acceptable. - Due Diligence Vendor-07/03/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing xxxxxx information for the lender. - Due Diligence Vendor-06/24/2025 |  | Resolved-After further review, the originator xxxxxx is listed on the Note and is acceptable. - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-06-24 12:00 | 2025-07-03 15:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the originator xxxxxx is listed on the Mortgage and is acceptable. - Due Diligence Vendor-07/03/2025 <br> Counter-Legal description provided. Pending xxxxxx information for lender. - Due Diligence Vendor-07/02/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mortgage chain, and xxxxxx information for lender, - Due Diligence Vendor-06/24/2025 |  | Resolved-After further review, the originator xxxxxx is listed on the Mortgage and is acceptable. - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 12:44 | 2025-07-02 10:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received policy w/extended replace cost and guaranteed replacement cost. - Due Diligence Vendor-07/02/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. HOI: • Guide indicate Hazard Insurance coverage must provide for claims to be settled on a replacement cost basis and Loss payee clause must reflect seller as additional insure. HOI does not show First lien as loss payee and replacement cost estimator not in file. - Due Diligence Vendor-06/26/2025 |  | Resolved-Received policy w/extended replace cost and guaranteed replacement cost. - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 12:44 | 2025-07-02 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-07/02/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HOI: • Guide indicate Hazard Insurance coverage must provide for claims to be settled on a replacement cost basis and Loss payee clause must reflect seller as additional insure. HOI does not show First lien as loss payee and replacement cost estimator not in file. - Due Diligence Vendor-06/26/2025 |  | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-06-24 11:29 | 2025-07-01 14:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved.<br> - Due Diligence Vendor-07/01/2025 <br> Open-Missing LE(s) and any associated COCs<br> - Due Diligence Vendor-06/24/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved.<br> - Due Diligence Vendor-07/01/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839704 | xxxxxx D A | Closed | xxxxxx | 2025-07-01 09:48 | 2025-07-01 14:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved.<br> - Due Diligence Vendor-07/01/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved.<br> - Due Diligence Vendor-07/01/2025<br>| Months Reserves exceed minimum required - • 26 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 738 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839708 | xxxxxx B A | Closed | xxxxxx | 2025-07-12 13:03 | 2025-07-17 09:22 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ---- Compliant xxxxxx Subprime- APR on subject loan of 8.021% is within allowable threshold of APOR of 6.92% + 1.75% or 8.67%. - Due Diligence Vendor-07/22/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ---- Compliant xxxxxx Subprime- APR on subject loan of 8.021% is within allowable threshold of APOR of 6.92% + 1.75% or 8.67%. - Due Diligence Vendor-07/12/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ---- Compliant xxxxxx Subprime- APR on subject loan of 8.021% is within allowable threshold of APOR of 6.92% + 1.75% or 8.67%. - Due Diligence Vendor-07/22/2025 | LTV is less than guideline maximum - Borr LTV 37.97%. Per guides, maximum LTV 75% due to subject located in xxxxxx.<br> Qualifying FICO score is at least 20 points above minimum for program - 772 qualifying FICO score, 640 minimum score required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839708 | xxxxxx B A | Closed | xxxxxx | 2025-07-12 13:11 | 2025-07-12 13:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/12/2025<br>| LTV is less than guideline maximum - Borr LTV 37.97%. Per guides, maximum LTV 75% due to subject located in xxxxxx.<br> Qualifying FICO score is at least 20 points above minimum for program - 772 qualifying FICO score, 640 minimum score required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839711 | xxxxxx C A | Closed | xxxxxx | 2025-07-14 13:23 | 2025-07-23 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the borrower is living rent free and the guidelines require a rent free letter, which has been provided. - Due Diligence Vendor-07/23/2025 <br> Counter-Received email confirming no rent requirement and dates for B2-missing relationship. - Due Diligence Vendor-07/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing Rent free letter for B2. - Due Diligence Vendor-07/14/2025 |  | Resolved-After further review, the borrower is living rent free and the guidelines require a rent free letter, which has been provided. - Due Diligence Vendor-07/23/2025<br>| Qualifying DTI below maximum allowed - DTI of 37.73% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 13.8 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839711 | xxxxxx C A | Closed | xxxxxx | 2025-07-10 14:57 | 2025-07-17 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial CD xxxxxx. - Due Diligence Vendor-07/17/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ...Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 |  | Resolved-Received initial CD xxxxxx. - Due Diligence Vendor-07/17/2025 | Qualifying DTI below maximum allowed - DTI of 37.73% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 13.8 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839711 | xxxxxx C A | Closed | xxxxxx | 2025-07-10 14:57 | 2025-07-17 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx for increase in discount points. - Due Diligence Vendor-07/17/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $157.38.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ...Zero (0%) tolerance fees increased by $157.38 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $157.38, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year - Expires xxxxxx [COC for increase in file, provide Initial CD dated at least three business days prior to closing] - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 |  | Resolved-Received COC xxxxxx for increase in discount points. - Due Diligence Vendor-07/17/2025 | Qualifying DTI below maximum allowed - DTI of 37.73% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 13.8 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839728 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 839729 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839731 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839736 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 839754 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839755 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 09:43 | 2025-07-14 09:36 | Waived | 2 - Non-Material D B | Credit | Eligibility | Second Appraisal is Missing | Waived-Client provided a waiver for 2nd appraisal due to flip-non HPML, applied to non material finding with comp factors - Due Diligence Vendor-07/14/2025 <br> Counter-Lender states that this loan does not fall under HPML and is not subject to TILA Higher-Priced Mortgage Loans Appraisal Rule. Audit agrees this is not an HPML loan, however, per page 9 of the guides, any Flip transaction requires a second appraisal - Due Diligence Vendor-07/10/2025 <br> Open-Subject Property is a Flip - Second Full Appraisal is required - Increases in value should be documented with commentary from the appraiser and recent - Due Diligence Vendor-07/10/2025 |  | Waived-Client provided a waiver for 2nd appraisal due to flip-non HPML, applied to non material finding with comp factors - Due Diligence Vendor-07/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680/ Borrower FICO 726<br>Long term residence - Borrower at departing residence 22 years | Compensating Factor 1 - Credit Score 30+ points > minimum required<br> Compensating Factor 2 - Current primary home ownership > 10 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839761 | xxxxxx B A | Closed | xxxxxx | 2025-07-17 10:21 | 2025-07-17 10:35 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted and in the file, waiver applied with comp factors. - Due Diligence Vendor-07/17/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Exception Approved: Use of 100% gift funds using 1099 for income: Non-Material, Borrower had own funds used for reserves, not liquidated but could be if needed. - Due Diligence Vendor-07/17/2025 |  | Waived-Client exception granted and in the file, waiver applied with comp factors. - Due Diligence Vendor-07/17/2025 | Long term residence - Borrower resided at previous residence for 21 years<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 48.52 months | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Residual Income Residual income more than 2.5x the amount required by guidelines<br> - Reserves Reserves exceed requirement by 10 months or more | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839761 | xxxxxx B A | Closed | xxxxxx | 2025-07-14 10:38 | 2025-07-14 11:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material Findings - Due Diligence Vendor-07/14/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material Findings - Due Diligence Vendor-07/14/2025 | Long term residence - Borrower resided at previous residence for 21 years<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 48.52 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839777 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839790 | xxxxxx C A | Closed | xxxxxx | 2025-06-27 11:48 | 2025-07-08 08:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. - Due Diligence Vendor-07/08/2025 | LTV is less than guideline maximum - LTV 65% is lower than maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 744 is higher than the required 680<br>Months Reserves exceed minimum required - 68 months reserves exceed required 4 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839798 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 14:24 | 2025-07-15 15:13 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfaction of Mortgage and chain of title. Chain of title is also on the fraud report. - Due Diligence Vendor-07/15/2025 <br> Counter-Documentation is insufficient-finding remains. - Due Diligence Vendor-07/15/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing chain of title - Due Diligence Vendor-06/17/2025 |  | Resolved-Received Satisfaction of Mortgage and chain of title. Chain of title is also on the fraud report. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 749 vs. min FICO of 660<br>Months Reserves exceed minimum required - 105 months available vs. 3 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839798 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 14:36 | 2025-07-15 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report and Participants list provided. - Due Diligence Vendor-07/15/2025 <br> Counter-Fraud report received does not reflect title company and escrow agent in Excluded Party Search-please provide updated report reflecting all parties. - Due Diligence Vendor-06/25/2025 <br> Open-Missing Third Party Fraud Report Missing fraud report - Due Diligence Vendor-06/18/2025 |  | Resolved-Fraud report and Participants list provided. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 749 vs. min FICO of 660<br>Months Reserves exceed minimum required - 105 months available vs. 3 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839798 | xxxxxx D A | Closed | xxxxxx | 2025-06-16 14:35 | 2025-07-15 15:07 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Recorded mortgage provided. - Due Diligence Vendor-07/15/2025 <br> Counter-Documentation is insufficient-must provide corrected security instrument and assentation of re recording. - Due Diligence Vendor-07/15/2025 <br> Counter-Documentation is insufficient-original finding remains. - Due Diligence Vendor-06/25/2025 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx Security date is xxxxxx, notary date is xxxxxx - Due Diligence Vendor-06/16/2025 |  | Resolved-Recorded mortgage provided. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 749 vs. min FICO of 660<br>Months Reserves exceed minimum required - 105 months available vs. 3 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839798 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 14:29 | 2025-06-25 10:15 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-06/25/2025 <br> Open-Additional valuation product has not been provided. Missing additional valuation per securitization requirements. - Due Diligence Vendor-06/17/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 749 vs. min FICO of 660<br>Months Reserves exceed minimum required - 105 months available vs. 3 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 10:43 | 2025-06-25 09:57 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report with Seller included. - Due Diligence Vendor-06/25/2025 <br> Counter-The seller must be included in the fraud report - Due Diligence Vendor-06/20/2025 <br> Open-OFAC Check Not Completed and/or Cleared Per the guidelines the property seller must be incouded in the fraud report. The exclusionary list does not list the property seller. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received fraud report with Seller included. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 11:06 | 2025-06-20 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-After further review, this document is not required. - Due Diligence Vendor-06/20/2025 <br> Open-Missing the default rate addendum to the note. - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, this document is not required. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 10:53 | 2025-06-20 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-ACH form not required per xxxxxx guides. - Due Diligence Vendor-06/20/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing the required ACH form required for the borrower. - Due Diligence Vendor-06/10/2025 |  | Resolved-ACH form not required per xxxxxx guides. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 17:02 | 2025-06-20 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-After further review, the xxxxxx guidelines allow a prepay in xxxxxx. - Due Diligence Vendor-06/20/2025 <br> Counter-Prepayment penalties are not allowed per guidelines 2.4.7. Original finding remains. - Due Diligence Vendor-06/18/2025 <br> Open-Prepayment Penalty is not allowed. Subject Property is xxxxxx-Unit SFR - Prepayment penalties are not allowed in xxxxxx - Restrictions do not apply to DSCR xxxxxx Units/xxxxxx Mixed Use properties - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, the xxxxxx guidelines allow a prepay in xxxxxx. - Due Diligence Vendor-06/20/2025 | Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 16:47 | 2025-06-20 10:35 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-After further review, the xxxxxx guidelines do not have this requirement. - Due Diligence Vendor-06/20/2025 <br> Counter-Documentation received is insufficient-Housing History 2.8.2.3 - housing history required for borrower's primary residence. Finding remains. - Due Diligence Vendor-06/18/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOR is Private - Any VOR completed by a private party, or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc. - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, the xxxxxx guidelines do not have this requirement. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 09:39 | 2025-06-20 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-After further review, the guidelines for xxxxxx allow FTHB. - Due Diligence Vendor-06/20/2025 <br> Counter-First Time Homebuyer is not allowed per program guidelines 2.8.1.2. Original finding remains. - Due Diligence Vendor-06/18/2025 <br> Open-Subject is a DSCR loan. Borrower is a first time homebuyer, per the guidelines first time homebuyers are not allowed as first time investors under the DSCR program. - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, the guidelines for xxxxxx allow FTHB. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 09:58 | 2025-06-18 14:01 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-06/18/2025 <br> Open-Additional valuation product has not been provided. Per the guidelines an appraisal review is required, missing the required appraisal review product required by the guidelines. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839801 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 20:40 | 2025-07-17 09:42 | Resolved | 1 - Information C A | Compliance | Closing | Lender Company xxxxxx Status is Not Active | Resolved-Received updated note with Lender Company xxxxxx - Due Diligence Vendor-07/17/2025 <br> Open-Lender Company xxxxxx Status is Not Active or Unknown on the Note and/or the Deed of Trust document Lender xxxxxx ID is missing from Note, please provide. [Lender xxxxxx ID on Final CD dated xxxxxx matches Origination Company xxxxxx ID (xxxxxx) when Originator is Broker, unable to determine Lender xxxxxx ID and Active status at the time of transaction.] - Due Diligence Vendor-06/27/2025 |  | Resolved-Received updated note with Lender Company xxxxxx - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 763 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 44.37% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839802 | xxxxxx D A | Closed | xxxxxx | 2025-07-03 14:02 | 2025-07-08 11:36 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-07/08/2025 <br> Open-Additional valuation product has not been provided. Provide the required CU and LCA or a Desk Review since a secondary value is required. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-07/08/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 14 months <br>Months Reserves exceed minimum required - 29.97 months reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839809 | xxxxxx B A | Closed | xxxxxx | 2025-07-15 11:53 | 2025-07-15 11:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-07/15/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 704 guidelines require 640<br>Months Reserves exceed minimum required - 107 months reserves; 3 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839821 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839823 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-03 07:38 | 2025-07-09 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM within 30 days of note date. - Due Diligence Vendor-07/09/2025 <br> Open-Borrower 2 Gap Credit Report is Missing GAP is required - Due Diligence Vendor-07/03/2025 |  | Resolved-Received UDM within 30 days of note date. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - DTI 38.48% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 795 is higher than the required 680 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839823 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-03 07:38 | 2025-07-09 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM within 30 days of note date. - Due Diligence Vendor-07/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing GAP is required - Due Diligence Vendor-07/03/2025 |  | Resolved-Received UDM within 30 days of note date. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - DTI 38.48% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 795 is higher than the required 680 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839823 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-03 07:46 | 2025-07-08 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-07/08/2025 <br> Open-LOX for credit inquiries is missing. Credit Inquiries require a LOE - Due Diligence Vendor-07/03/2025 |  | Resolved-Received credit inquiry letter. - Due Diligence Vendor-07/08/2025<br>| Qualifying DTI below maximum allowed - DTI 38.48% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 795 is higher than the required 680 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839823 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-26 23:51 | 2025-07-07 11:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $25.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $25.00 (Title - Closing/Escrow Fee, Seller Paid) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/27/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/07/2025<br>| Qualifying DTI below maximum allowed - DTI 38.48% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 795 is higher than the required 680 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839823 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-26 23:07 | 2025-06-26 23:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-06/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-06/27/2025<br>| Qualifying DTI below maximum allowed - DTI 38.48% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 795 is higher than the required 680 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839824 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 14:47 | 2025-07-22 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing LOAN FILE IS ABSENT GAP CREDIT REPORT 10 DAYS PRIOR TO CLOSING - Due Diligence Vendor-07/16/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - max DTI per guidelines is 50% borrowers' qualifying DTI 32.81% represents 17.19% below guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO is 766, guideline requires minimum 700, which represents 66 points above minimum requirement. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839824 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 11:26 | 2025-07-22 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Upon further review, the loan file contained all required property documentation. - Due Diligence Vendor-07/22/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Loan file is absent HOA Questionnaire - Due Diligence Vendor-07/16/2025 |  | Resolved-Upon further review, the loan file contained all required property documentation. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - max DTI per guidelines is 50% borrowers' qualifying DTI 32.81% represents 17.19% below guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO is 766, guideline requires minimum 700, which represents 66 points above minimum requirement. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839826 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839827 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 09:14 | 2025-07-14 09:53 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received corrected appraisal - sales price does not exceed 10% of acquisition. - Due Diligence Vendor-07/14/2025 <br> Open-Property Issues are identified for the property The appraisal does not report a prior transfer of the subject property within 3 years, however, public records reports a prior transfer of the subject property (xxxxxx). Please confirm the appraiser has accurately reported the prior transfer of the subject property. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received corrected appraisal - sales price does not exceed 10% of acquisition. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - 29.08% DTI with 50% max<br>LTV is less than guideline maximum - 70% LTV with 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - 808 FICO with 660 min |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839827 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 09:19 | 2025-07-09 10:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD with a disbursement date of xxxxxx. - Due Diligence Vendor-07/09/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard Insurance Effective Date of xxxxxx is after the disbursement date of xxxxxx. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received PCCD with a disbursement date of xxxxxx. - Due Diligence Vendor-07/09/2025 | Qualifying DTI below maximum allowed - 29.08% DTI with 50% max<br>LTV is less than guideline maximum - 70% LTV with 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - 808 FICO with 660 min |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839835 | xxxxxx D A | Closed | xxxxxx | 2025-06-28 14:49 | 2025-07-14 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received PCCD - Due Diligence Vendor-07/14/2025 <br> Counter-Received corrected 1008/1003 confirming HOI received is correct-CD reflects escrow of $270 per month-provide corrected CD and 1st payment letter. - Due Diligence Vendor-07/07/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Need clarification on HOI. Final CD shows HOI monthly amount of $270, HOI docs on file shows premium of $2,374 ($197.83 mth) - Due Diligence Vendor-06/28/2025 |  | Resolved-Received PCCD - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - 25 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 752 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839838 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839839 | xxxxxx D B A | Closed | xxxxxx | 2025-06-25 11:30 | 2025-07-07 14:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Originator a Originator company xxxxxx is present on the Note, - Due Diligence Vendor-07/07/2025 <br> Counter-Originator a Originator company xxxxxx is present on the Note, however the Lender xxxxxx is not. Finding remains. - Due Diligence Vendor-07/02/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing xxxxxx information for lender. - Due Diligence Vendor-06/25/2025 |  | Resolved-Originator a Originator company xxxxxx is present on the Note, - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - • 45 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776 guidelines require 620 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839839 | xxxxxx D B A | Closed | xxxxxx | 2025-06-27 10:15 | 2025-07-02 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Certificate - Due Diligence Vendor-07/02/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-06/27/2025 |  | Resolved-Received Flood Certificate - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - • 45 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776 guidelines require 620 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839839 | xxxxxx D B A | Closed | xxxxxx | 2025-06-25 10:10 | 2025-06-25 10:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-06/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - • 45 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776 guidelines require 620 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839866 | xxxxxx D A | Closed | xxxxxx | 2025-07-17 12:23 | 2025-07-18 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received copy of back of card - Due Diligence Vendor-07/18/2025 <br> Open-Borrower Citizenship Documentation Is Missing The top of the back of the EAD card is cut off where it shows the Form #<br> - Due Diligence Vendor-07/17/2025 |  | Resolved-Received copy of back of card - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 733 guidelines require 700<br>Months Reserves exceed minimum required - 7 months reserves; 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839866 | xxxxxx D A | Closed | xxxxxx | 2025-07-17 12:16 | 2025-07-18 16:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-07/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A - legal description (cannot be taken from title) - Due Diligence Vendor-07/17/2025 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 733 guidelines require 700<br>Months Reserves exceed minimum required - 7 months reserves; 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839875 | xxxxxx D A C | Closed | xxxxxx | 2025-06-12 17:39 | 2025-07-16 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD reflecting sufficient reserves and funds to close. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. My xxxxxx for the wrong PCCD. Please see the correct PCCD - Seller-07/15/2025 <br> Counter-PCCD received does not reflect the correct P&I - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see updated 1008, 1003 and Post CD which reflects the borrower had more funds at closing - Seller-07/10/2025 <br> Counter-Received $14k gift documentation for EMD. Review reflects $200 short funds to close and missing 4 mos P&I reserves. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Attached, you can find the $14K gift - Seller-07/08/2025 <br> Counter-Received Title receipt for $14k EMD-funds are not sourced and not from borrower-please provide gift letter. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see receipt from Escrow - Seller-07/02/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Audited Reserves of 3.96 month(s) are less than Guideline Required Reserves of 4 month(s) Additional assets required - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. My xxxxxx for the wrong PCCD. Please see the correct PCCD - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. Please see updated 1008, 1003 and Post CD which reflects the borrower had more funds at closing - Seller-07/10/2025 <br> Ready for Review-Document Uploaded. Attached, you can find the $14K gift - Seller-07/08/2025 <br> Ready for Review-Document Uploaded. Please see receipt from Escrow - Seller-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 | Resolved-Received PCCD reflecting sufficient reserves and funds to close. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 762 is higher than 660 min required <br>Qualifying DTI below maximum allowed - 18.24% DTI lower than 49.99% max allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839875 | xxxxxx D A C | Closed | xxxxxx | 2025-06-12 08:05 | 2025-06-23 10:20 | Resolved | 1 - Information C A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please see corrected PCCD - Seller-06/20/2025 <br> Open-PCCD xxxxxx Monthly Principal & Interest does not reflect principal and interest payment at time of closing. Provide corrected PCCD. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see corrected PCCD - Seller-06/20/2025<br>| Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-06/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 762 is higher than 660 min required <br>Qualifying DTI below maximum allowed - 18.24% DTI lower than 49.99% max allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839875 | xxxxxx D A C | Closed | xxxxxx | 2025-06-11 14:55 | 2025-06-23 10:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Title Fees in Section B are payable to xxxxxx. Additional Details for Services You Can Shop For has these vendors designated as N for affiliates. Upon further review, no additional information is needed. Finding resolved. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Could you please clarify why Affiliated business disclosure required? This loan is Purchase and Owner occupied transatcion, please advise if we can waive the following condition. - Seller-06/20/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-06/11/2025 | Ready for Review-Could you please clarify why Affiliated business disclosure required? This loan is Purchase and Owner occupied transatcion, please advise if we can waive the following condition. - Seller-06/20/2025<br>| Resolved-Title Fees in Section B are payable to xxxxxx Title Company. Additional Details for Services You Can Shop For has these vendors designated as N for affiliates. Upon further review, no additional information is needed. Finding resolved. - Due Diligence Vendor-06/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 762 is higher than 660 min required <br>Qualifying DTI below maximum allowed - 18.24% DTI lower than 49.99% max allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839896 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839898 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 12:56 | 2025-06-18 19:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received CPA verification. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please find the attached CPA validation - Seller-06/16/2025 <br> Open-Missing CPA validation - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please find the attached CPA validation - Seller-06/16/2025<br>| Resolved-Received CPA verification. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - • Qualifying Assets calculated at 5.09 Months of reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 707 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839898 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 14:33 | 2025-06-10 15:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - • Qualifying Assets calculated at 5.09 Months of reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 707 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 839902 | xxxxxx C B A | Closed | xxxxxx | 2025-06-25 10:42 | 2025-07-03 11:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/03/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-06/25/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 809.<br>LTV is less than guideline maximum - Max LTV 85%- Borrower's LTV 65% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839902 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 08:35 | 2025-07-03 11:22 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Client exception granted to allow commercial zone of subject single-family home with 2 kitchens, non-material waiver applied with comp factors. Appraiser has confirmed home can be rebuilt as a single-family residence, with 2 kitchens one on each floor - internal stairs connecting to each floor, which appraisal notes is common for the area. - Due Diligence Vendor-06/30/2025 |  | Waived- Client exception granted to allow commercial zone of subject single-family home with 2 kitchens, non-material waiver applied with comp factors. Appraiser has confirmed home can be rebuilt as a single-family residence, with 2 kitchens one on each floor - internal stairs connecting to each floor, which appraisal notes is common for the area. - Due Diligence Vendor-07/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 809.<br>LTV is less than guideline maximum - Max LTV 85%- Borrower's LTV 65% | Credit score 100+ pts > minimum required<br> LTV/ CLTV 5% or more below the max allowed<br> Reserves 58 months<br> residual income $11946.64<br> self Employed 33 yrs > 5 yrs | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839933 | xxxxxx D A B | Closed | xxxxxx | 2025-06-26 04:34 | 2025-07-21 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated title reflecting sufficient coverage. - Due Diligence Vendor-07/21/2025 <br> Open-Title Document is Incomplete Title Supplement missing confirming loan coverage amount. - Due Diligence Vendor-06/26/2025 |  | Resolved-Received updated title reflecting sufficient coverage. - Due Diligence Vendor-07/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 guidelines require 680<br>Months Reserves exceed minimum required - • 10 months reserves; 6 months reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839933 | xxxxxx D A B | Closed | xxxxxx | 2025-06-23 13:51 | 2025-06-26 09:31 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime - Due Diligence Vendor-06/26/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.606% is within allowable threshold of APOR of 6.89% + 1.75% or 8.64%. - Due Diligence Vendor-06/23/2025 |  | Resolved-Compliant xxxxxx Subprime - Due Diligence Vendor-06/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 guidelines require 680<br>Months Reserves exceed minimum required - • 10 months reserves; 6 months reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839964 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840028 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 840040 | xxxxxx C B A | Closed | xxxxxx | 2025-06-09 19:31 | 2025-06-13 14:08 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-The Deed of Trust is Incomplete Missing Exhibit A - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 767 guidelines require 680<br>Months Reserves exceed minimum required - |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840040 | xxxxxx C B A | Closed | xxxxxx | 2025-06-09 08:49 | 2025-06-09 09:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing : Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing : Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 767 guidelines require 680<br>Months Reserves exceed minimum required - |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 840041 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 12:05 | 2025-06-24 11:07 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/23/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-06/24/2025 | On time mortgage history exceeds guideline requirement - Borrs 85mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 57.83mos reserves. Per guides, 4 reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840044 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840052 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 17:38 | 2025-07-18 09:54 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received PCI with an inspection date of xxxxxx - Due Diligence Vendor-07/18/2025 <br> Open-Missing the PCI Report - Due Diligence Vendor-07/14/2025 |  | Resolved-Received PCI with an inspection date of xxxxxx - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - 0 mths reserves required- Borrower has 44.79 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 44.79% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840052 | xxxxxx D B A | Closed | xxxxxx | 2025-07-13 13:37 | 2025-07-14 17:56 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Modification document issue | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/14/2025 <br> Open-Exception request: Modification on 1st mortgage when modification from original terms ineligible. - Due Diligence Vendor-07/13/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - 0 mths reserves required- Borrower has 44.79 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 44.79% | - DTI<= 40% which is below guidelines<br> - S/E for > 10 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840052 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 12:39 | 2025-07-11 12:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-07/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 0 mths reserves required- Borrower has 44.79 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 44.79% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840078 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 10:25 | 2025-07-22 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-The borrower is not listed on the Note for this property and the loss is 0 on the tax return. - Due Diligence Vendor-07/22/2025 <br> Counter-Client comments - "Insurance :$93.92 Tax: xxxxxx Misc Net Rent : ($254.96) = \* 0.75 - - $254.96" - AUDIT RESPONSE - Schedule E was used due to Mortgage Interest paid for xxxxxx<br> - Due Diligence Vendor-07/03/2025 <br> Open-Audited DTI of 51.03% exceeds Guideline DTI of 50% Audit included Schedule C monthly loss and Schedule C loss for REO #xxxxxx. Although mortgage statement in file shows 3rd party is on mortgage statement for property owned by the borrower and 3rd party, borrower's Schedule E includes mortgage interest for this property. Borrower is also listed as an owner on the insurance and tax cert. Audit used Schedule E to calculated monthly net rent loss for this property. - Due Diligence Vendor-06/30/2025 |  | Resolved-The borrower is not listed on the Note for this property and the loss is 0 on the tax return. - Due Diligence Vendor-07/22/2025<br>| CLTV is less than guidelines maximum - 41.67% CLTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 811 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840078 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 10:00 | 2025-07-03 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-07/03/2025 <br> Open-1. Missing verification of HOA for primary residence (REO xxxxxx). If applicable, monthly fee to be included and DTI recalculated. Additional findings may apply.<br> 2. Missing verification of HOA for REO xxxxxx. If applicable, monthly fee to be included and DTI recalculated. Additional findings may apply.<br>- Due Diligence Vendor-06/30/2025 |  | Resolved-Received HOA verification. - Due Diligence Vendor-07/03/2025<br>| CLTV is less than guidelines maximum - 41.67% CLTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 811 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840142 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 09:45 | 2025-07-25 10:46 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received CPA letter confirming over 2 years employment. - Due Diligence Vendor-07/25/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing verification borrower's business was in existence 2 years. Additional finding may apply, - Due Diligence Vendor-06/25/2025 |  | Resolved-Received CPA letter confirming over 2 years employment. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - 6 months reserves required / Borrower Reserves 41.23 months (>$250,000)<br>Qualifying FICO score is at least 20 points above minimum for program - 790 FICO; 680 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840142 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 13:08 | 2025-07-03 11:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-07/03/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-06/24/2025 |  | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - 6 months reserves required / Borrower Reserves 41.23 months (>$250,000)<br>Qualifying FICO score is at least 20 points above minimum for program - 790 FICO; 680 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840159 | xxxxxx C B A | Closed | xxxxxx | 2025-07-14 15:56 | 2025-07-17 17:14 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Gift letter provided. - Due Diligence Vendor-07/17/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Looks like wrong VOR got uploaded. Uploading correct VOR. - Seller-07/15/2025 <br> Open-Missing source of EMD for $36300.00 - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Looks like wrong VOR got uploaded. Uploading correct VOR. - Seller-07/15/2025<br>| Resolved-Gift letter provided. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - 39.52% Qualifying DTI below 50% maximum allowed<br>LTV is less than guideline maximum - 62.81% LTV is less than 80% guideline maximum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840159 | xxxxxx C B A | Closed | xxxxxx | 2025-07-15 11:10 | 2025-07-17 16:25 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received VOR reflecting correct date. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. I uploaded the wrong attachment to the wrong condition. Uploading documents to clear findings here for I cannot attached additional documents to the other ones. - Seller-07/15/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOR is file has Borrower "Renting since 10/01/2025" - future date. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. I uploaded the wrong attachment to the wrong condition. Uploading documents to clear findings here for I cannot attached additional documents to the other ones. - Seller-07/15/2025<br>| Resolved-Received VOR reflecting correct date. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - 39.52% Qualifying DTI below 50% maximum allowed<br>LTV is less than guideline maximum - 62.81% LTV is less than 80% guideline maximum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840159 | xxxxxx C B A | Closed | xxxxxx | 2025-07-10 17:37 | 2025-07-10 17:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025<br>| Qualifying DTI below maximum allowed - 39.52% Qualifying DTI below 50% maximum allowed<br>LTV is less than guideline maximum - 62.81% LTV is less than 80% guideline maximum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 840164 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 15:20 | 2025-07-22 09:51 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of Special Flood Hazard and evidence of receipt. - Due Diligence Vendor-07/22/2025 <br> Counter-Notice provided is not signed by the borrower. Finding remains. - Due Diligence Vendor-07/17/2025 <br> Open-Subject Property is in Flood Zone xxxxxx but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-07/11/2025 |  | Resolved-Received Notice of Special Flood Hazard and evidence of receipt. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 740<br>CLTV is less than guidelines maximum - 25.09% CLTV; 90% max<br>Qualifying DTI below maximum allowed - 32.85% DTI; 50% max allowed<br>Months Reserves exceed minimum required - 14.37 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840164 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 13:50 | 2025-07-17 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-07/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/11/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 740<br>CLTV is less than guidelines maximum - 25.09% CLTV; 90% max<br>Qualifying DTI below maximum allowed - 32.85% DTI; 50% max allowed<br>Months Reserves exceed minimum required - 14.37 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840164 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 13:50 | 2025-07-17 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-07/17/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/11/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 740<br>CLTV is less than guidelines maximum - 25.09% CLTV; 90% max<br>Qualifying DTI below maximum allowed - 32.85% DTI; 50% max allowed<br>Months Reserves exceed minimum required - 14.37 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840164 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 15:00 | 2025-07-11 15:32 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx SubPrime Loan. - Due Diligence Vendor-07/16/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 8.885% is within allowable threshold of APOR of 6.88% + 3.75%, or 10.63%. Compliant SubPrime Loan. - Due Diligence Vendor-07/16/2025 |  | Resolved-Compliant xxxxxx SubPrime Loan. - Due Diligence Vendor-07/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 740<br>CLTV is less than guidelines maximum - 25.09% CLTV; 90% max<br>Qualifying DTI below maximum allowed - 32.85% DTI; 50% max allowed<br>Months Reserves exceed minimum required - 14.37 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840164 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 14:30 | 2025-07-09 14:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-07/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 740<br>CLTV is less than guidelines maximum - 25.09% CLTV; 90% max<br>Qualifying DTI below maximum allowed - 32.85% DTI; 50% max allowed<br>Months Reserves exceed minimum required - 14.37 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840167 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840218 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 10:42 | 2025-07-22 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter provided confirming the business is active. - Due Diligence Vendor-07/22/2025 <br> Counter-Received tax preparer letter-missing preparers license. - Due Diligence Vendor-07/14/2025 <br> Open-Borrower 1 CPA Letter Missing Missing evidence of the business for two years. CPA letter in the file does not reflect time self-employed, only use of funds. - Due Diligence Vendor-07/09/2025 |  | Resolved-CPA letter provided confirming the business is active. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico score 667. Minimum required 640.<br>Long term residence - Borrower renting current residence for 5+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840218 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 10:59 | 2025-07-22 12:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-The IRS payment is installment debt with less than 10 payments remaining. - Due Diligence Vendor-07/21/2025 <br> Counter-Received additional statements-missing proof IRS installment $xxxxxxk plan paid in full or included in dti. - Due Diligence Vendor-07/16/2025 <br> Counter-Received March installment documentation-did not receive confirmation paid in full/released. - Due Diligence Vendor-07/14/2025 <br> Open-Audited DTI of 54.41% exceeds Guideline DTI of 45% Lender did not include the $xxxxxx/mo IRS Installment plan payment. - Due Diligence Vendor-07/09/2025 |  | Resolved-The IRS payment is installment debt with less than 10 payments remaining. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico score 667. Minimum required 640.<br>Long term residence - Borrower renting current residence for 5+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840218 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 10:57 | 2025-07-22 12:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The IRS payment is installment debt with less than 10 payments remaining. - Due Diligence Vendor-07/21/2025 <br> Counter-Received duplicate documentation-missing confirmation IRS payment plan paid in full or considered in DTI. - Due Diligence Vendor-07/16/2025 <br> Counter-Pending proof IRS installment plan paid in full. - Due Diligence Vendor-07/14/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Lender did not include the xxxxxx installment payment plan of $xxxxxx/mo. - Due Diligence Vendor-07/09/2025 |  | Resolved-The IRS payment is installment debt with less than 10 payments remaining. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico score 667. Minimum required 640.<br>Long term residence - Borrower renting current residence for 5+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840218 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 10:42 | 2025-07-22 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE. - Due Diligence Vendor-07/14/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Final VOE - Due Diligence Vendor-07/09/2025 |  | Resolved-Received pre close VVOE. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico score 667. Minimum required 640.<br>Long term residence - Borrower renting current residence for 5+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840218 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 10:46 | 2025-07-21 11:20 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received VOR and lease extension confirming non private party. - Due Diligence Vendor-07/14/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOR - Missing 6 months canceled checks. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received VOR and lease extension confirming non private party. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico score 667. Minimum required 640.<br>Long term residence - Borrower renting current residence for 5+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840232 | xxxxxx C A | Closed | xxxxxx | 2025-07-14 13:32 | 2025-07-18 09:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-There are no issues present on the Note. - Due Diligence Vendor-07/18/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing xxxxxx information for lender on Note and Mtg. - Due Diligence Vendor-07/14/2025 |  | Resolved-There are no issues present on the Note. - Due Diligence Vendor-07/18/2025<br>| CLTV is less than guidelines maximum - Max CLTV is 80% - loan CLTV is 58.04%<br>On time mortgage history exceeds guideline requirement - lender required 0x30x12 - loan is 0x30x99 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840240 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 09:13 | 2025-07-14 14:06 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received amendment to purchase contract supporting primary residence. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached the RPA addendum for primary residence occupancy. - Seller-07/11/2025 <br> Counter-Received LOE and corrected 1003-purchase contract does not support primary residence occupancy-section 3E(3) notes as Investment as occupancy type. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. It seems that the incorrect 1003 was previously submitted. I am now sending the correct 1003 along with the LOE. Also, already the correct borrower – xxxxxx – and the title-only borrower – xxxxxx – are reflected in the RPA. Could you please clarify what the issue is? - Seller-07/08/2025 <br> Open-Purchase contract shows the borrower and non-borrower's intent to purchase the subject property as an investment. Possible straw buyer as all funds provided by the non-borrower. Additionally, 1003 shows borrower has a history of purchase as primary only to rent the property. Borrower did not reside in their previous purchased primary residence for a full year. Primary Occupancy statements signed at closing reflect an intent to reside for at least 12-months. The borrower resided in their previous primary for 7 months according to the 1003 and then rented the property out. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Please see attached the RPA addendum for primary residence occupancy. - Seller-07/11/2025 <br> Ready for Review-Document Uploaded. It seems that the incorrect 1003 was previously submitted. I am now sending the correct 1003 along with the LOE. Also, already the correct borrower – xxxxxx – and the title-only borrower – xxxxxx – are reflected in the RPA. Could you please clarify what the issue is? - Seller-07/08/2025 | Resolved-Received amendment to purchase contract supporting primary residence. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.25%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 728; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840240 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 08:52 | 2025-07-14 14:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation of no additional taxes and #7-received and is dated permit. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. (1)At this moment, there is nothing due. If there is something due it will be included in the property taxes. <br> (2)Please see attached copy of Notice. - Seller-07/11/2025 <br> Open-Property Title Issue Title to (1) confirm xxxxxx Special Tax District No. xxxxxx and xxxxxx are both included in taxes (title does not state they are included like the xxxxxx District tax) (2) detail and/or provide what the "Notice" entails noted on title exception No. 7 (3) additional findings may apply. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. (1)At this moment, there is nothing due. If there is something due it will be included in the property taxes. <br> (2)Please see attached copy of Notice. - Seller-07/11/2025 | Resolved-Received confirmation of no additional taxes and #7-received and is dated permit. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.25%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 728; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840244 | xxxxxx D A | Closed | xxxxxx | 2025-07-03 09:42 | 2025-07-17 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose - Due Diligence Vendor-07/17/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing BP Cert - Due Diligence Vendor-07/03/2025 |  | Resolved-Received business purpose - Due Diligence Vendor-07/17/2025<br>| Months Reserves exceed minimum required - 71 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 742 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840248 | xxxxxx D B A | Closed | xxxxxx | 2025-07-08 14:31 | 2025-07-22 15:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Appraisal comparables are similar to subject and typical for area. Appraiser notes there is no marketability concern. - Due Diligence Vendor-08/12/2025 <br> Open-Property Issues are identified for the property Per the applicable guidelines the minimum square footage for multi unit properties is 400 Square feet. The subject has a unit with xxxxxx Square feet - Due Diligence Vendor-07/08/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Appraisal comparables are similar to subject and typical for area. Appraiser notes there is no marketability concern. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 742 FICO; 640 required<br>Months Reserves exceed minimum required - 51.46 mos reserves; 3 mos required | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more <br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840248 | xxxxxx D B A | Closed | xxxxxx | 2025-07-08 16:44 | 2025-07-16 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Used Schedule E for REOs - Leases are not required when using Schedule E - Due Diligence Vendor-07/16/2025 <br> Open-Per U/W Summary from lender, properties xxxxxx were recently refinanced. Provide Final CD's and copies of Notes from each property. If payments are not escrowed, provide verification of taxes, insurance and any HOA dues for EACH property. Verification of the tax, insurance, homeowner's association fees and a current mortgage statement for the borrower's primary residence is also required. Additional findings may apply. - Due Diligence Vendor-07/09/2025 |  | Resolved-Used Schedule E for REOs - Leases are not required when using Schedule E - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 742 FICO; 640 required<br>Months Reserves exceed minimum required - 51.46 mos reserves; 3 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840248 | xxxxxx D B A | Closed | xxxxxx | 2025-07-08 16:42 | 2025-07-16 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Used Schedule E for REOs - Leases are not required when using Schedule E - Due Diligence Vendor-07/16/2025 <br> Open-Missing lease agreements for the following properties as mentioned per the U/W Summary: xxxxxx(subject). xxxxxx. - Due Diligence Vendor-07/08/2025 |  | Resolved-Used Schedule E for REOs - Leases are not required when using Schedule E - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 742 FICO; 640 required<br>Months Reserves exceed minimum required - 51.46 mos reserves; 3 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840248 | xxxxxx D B A | Closed | xxxxxx | 2025-07-08 16:33 | 2025-07-16 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 45.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/16/2025 <br> Open-Audited DTI of 56.27% exceeds Guideline DTI of 50% DTI not finalized. Need leases to calculate DTI properly. - Due Diligence Vendor-07/08/2025 |  | Resolved-Audited DTI of 45.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 742 FICO; 640 required<br>Months Reserves exceed minimum required - 51.46 mos reserves; 3 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840253 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 18:00 | 2025-07-14 11:24 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Received 2023 W2 - Due Diligence Vendor-07/14/2025 <br> Open-Borrower 1 W2/1099 Less Than 24 Months Provided Missing 2023 W2 - Due Diligence Vendor-07/09/2025 |  | Resolved-Received 2023 W2 - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 640 required, subject 742<br>Months Reserves exceed minimum required - 3 months required, subject 55 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840253 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 18:29 | 2025-07-11 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received REO documentation. - Due Diligence Vendor-07/11/2025 <br> Open-Per U/W Summary from lender, properties xxxxxx were recently refinanced. Provide Final CD's and copies of Notes from each property. If payments are not escrowed, provide verification of taxes, insurance and any HOA dues for EACH property. Verification of the tax, insurance, homeowner's association fees and a current mortgage statement for the borrower's primary residence is also required. Additional findings may apply. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received REO documentation. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 640 required, subject 742<br>Months Reserves exceed minimum required - 3 months required, subject 55 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840253 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 18:30 | 2025-07-11 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Lease Agreements. - Due Diligence Vendor-07/11/2025 <br> Open-Missing lease agreements for the following properties as mentioned per the U/W Summary: xxxxxx(subject). xxxxxx. Additional findings may apply - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Lease Agreements. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 640 required, subject 742<br>Months Reserves exceed minimum required - 3 months required, subject 55 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840256 | xxxxxx B A | Closed | xxxxxx | 2025-06-16 12:19 | 2025-06-16 12:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 770 FICO is higher than Guideline Min FICO740<br>Qualifying DTI below maximum allowed - DTI 24.210% is lower than 49.99% max allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 840257 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840278 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840285 | xxxxxx C A | Closed | xxxxxx | 2025-07-09 15:58 | 2025-07-15 09:38 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated Fraud Report reflecting all alerts cleared. - Due Diligence Vendor-07/15/2025 <br> Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-07/09/2025 |  | Resolved-Received updated Fraud Report reflecting all alerts cleared. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 722.<br>Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 6 Months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840292 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 12:18 | 2025-07-21 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Received CAD and confirmation lender considered re taxes without exemption. - Due Diligence Vendor-07/21/2025 <br> Counter-Received UW tax calculation-missing subject property CAD/Tax Cert to support. - Due Diligence Vendor-07/17/2025 <br> Open-Missing tax certificate/taxes information used to qualify as reflected on final 1008/cd. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received CAD and confirmation lender considered re taxes without exemption. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 689 score . Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 36mos reserves. Per guides, 6 reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840292 | xxxxxx D B A | Closed | xxxxxx | 2025-07-07 18:32 | 2025-07-07 18:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 689 score . Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 36mos reserves. Per guides, 6 reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840309 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 13:16 | 2025-07-18 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE from the borrower. No HOA for property xxxxxx - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Uploaded LOE from borrower that states the property located at xxxxxx is not in an HOA and dues are not required. - Seller-07/16/2025 <br> Open-Missing evidence of any HOA or maintenance dues for property xxxxxx. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Uploaded LOE from borrower that states the property located at xxxxxx is not in an HOA and dues are not required. - Seller-07/16/2025 | Resolved-Received LOE from the borrower. No HOA for property xxxxxx - Due Diligence Vendor-07/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 763 is more than 20 points higher than the guideline min of 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.16 is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840331 | xxxxxx C A | Closed | xxxxxx | 2025-07-15 16:42 | 2025-07-30 09:58 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/30/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----Please provide initial LE, initial 1003, initial disclosures dated xxxxxx - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 799 guidelines require 680<br>Months Reserves exceed minimum required - 25 months reserves; 6 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840331 | xxxxxx C A | Closed | xxxxxx | 2025-07-20 19:30 | 2025-07-30 09:38 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received court documentation confirming name change. - Due Diligence Vendor-07/30/2025 <br> Counter-Received Signature Name Affidavit-documentation is insufficient-original finding remains. - Due Diligence Vendor-07/24/2025 <br> Open-Missing proof of legal name change. Additional findings may apply. - Due Diligence Vendor-07/21/2025 |  | Resolved-Received court documentation confirming name change. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 799 guidelines require 680<br>Months Reserves exceed minimum required - 25 months reserves; 6 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840363 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840374 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:20 | 2025-07-15 12:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-07/15/2025 <br> Open-Audited Reserves of 0.13 month(s) are less than Guideline Required Reserves of 4 month(s) Verified reserves equal .13 months, per the guidelines 4 months reserves required. - Due Diligence Vendor-07/09/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-07/15/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 42%, maximum allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 766, minimum required is 660. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840374 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-08 16:16 | 2025-07-14 10:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Upon further review, finding resolved. - Due Diligence Vendor-07/14/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-07/08/2025 |  | Resolved-----Upon further review, finding resolved. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 42%, maximum allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 766, minimum required is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840378 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-08 18:15 | 2025-07-23 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received worksheet. - Due Diligence Vendor-07/23/2025 <br> Counter-Worksheet for xxxxxx provided, please provide the worksheet for xxxxxx. - Due Diligence Vendor-07/17/2025 <br> Counter-Bank Statement worksheet provided does not list the months and account number - Due Diligence Vendor-07/14/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide the Income Calculation Worksheet for Borrower 1. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received worksheet. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 783<br>Months Reserves exceed minimum required - Min reserves req'd 0mths- Borrower has 11.64mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840378 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-09 09:12 | 2025-07-23 10:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-07/23/2025 <br> Counter-Pending missing documentation. - Due Diligence Vendor-07/14/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received missing income documentation. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 783<br>Months Reserves exceed minimum required - Min reserves req'd 0mths- Borrower has 11.64mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840378 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-08 19:09 | 2025-07-23 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received Missing Bank Statements. - Due Diligence Vendor-07/23/2025 <br> Counter-4/2025 for account xxxxxx provided. Please provide 04/2025 for xxxxxx. - Due Diligence Vendor-07/17/2025 <br> Counter-5/2025 provided, please provide 4/2025. - Due Diligence Vendor-07/14/2025 <br> Open-Provide the May 2023 Bank Statement for xxxxxx. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received Missing Bank Statements. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 783<br>Months Reserves exceed minimum required - Min reserves req'd 0mths- Borrower has 11.64mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840378 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-08 19:07 | 2025-07-17 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documentation/clarification to support xxxxxx was paid at close. - Due Diligence Vendor-07/17/2025 <br> Counter-Received Mortgage Statement for xxxxxx. Please provide documentation to support the reason xxxxxx has been excluded. Additional findings may apply - Due Diligence Vendor-07/14/2025 <br> Open-Provide proof why the mortgage history for property xxxxxx was not included into the DTI. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received documentation/clarification to support xxxxxx was paid at close. - Due Diligence Vendor-07/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 783<br>Months Reserves exceed minimum required - Min reserves req'd 0mths- Borrower has 11.64mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840378 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-01 11:27 | 2025-07-11 11:33 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 783<br>Months Reserves exceed minimum required - Min reserves req'd 0mths- Borrower has 11.64mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840378 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-08 18:53 | 2025-07-11 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-07/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 783<br>Months Reserves exceed minimum required - Min reserves req'd 0mths- Borrower has 11.64mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840378 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-01 11:05 | 2025-07-01 11:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 783<br>Months Reserves exceed minimum required - Min reserves req'd 0mths- Borrower has 11.64mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840390 | xxxxxx D A C | Closed | xxxxxx | 2025-07-14 17:14 | 2025-07-25 17:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 1 VVOE - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received Borrower 1 VVOE - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 Qualifying FICO score is at least 20 points above 660 minimum for program<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840390 | xxxxxx D A C | Closed | xxxxxx | 2025-07-14 17:14 | 2025-07-25 17:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 2 VVOE - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received Borrower 2 VVOE - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 Qualifying FICO score is at least 20 points above 660 minimum for program<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840390 | xxxxxx D A C | Closed | xxxxxx | 2025-07-11 15:27 | 2025-07-25 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received CD xxxxxx with all pages included. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Initial CD xxxxxx in file is missing page 5. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received CD xxxxxx with all pages included. - Due Diligence Vendor-07/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 772 Qualifying FICO score is at least 20 points above 660 minimum for program<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840390 | xxxxxx D A C | Closed | xxxxxx | 2025-07-11 15:13 | 2025-07-25 07:46 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx, esigned xxxxxx. - Due Diligence Vendor-07/25/2025 <br> Resolved- - Due Diligence Vendor-07/25/2025 <br> Ready for Review-The full initial CD has been uploaded and it shows that it was signed on the xxxxxx so I am hoping that will clear this condition.<br>xxxxxx. - Seller-07/23/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 | Ready for Review-The full initial CD has been uploaded and it shows that it was signed on the xxxxxx so I am hoping that will clear this condition.<br>xxxxxx. - Seller-07/23/2025 | Resolved-Received CD xxxxxx, esigned xxxxxx. - Due Diligence Vendor-07/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 772 Qualifying FICO score is at least 20 points above 660 minimum for program<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840392 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840402 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840451 | xxxxxx D A C | Closed | xxxxxx | 2025-07-17 11:10 | 2025-07-25 09:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received complete ROR for both borrowers, including signature. - Due Diligence Vendor-07/25/2025 <br> Open-Right of Rescission is Partially Provided Right of Rescission in file is missing signature for both borrowers. Provide full page including both borower signatures. - Due Diligence Vendor-07/17/2025 |  | Resolved-Received complete ROR for both borrowers, including signature. - Due Diligence Vendor-07/25/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 710 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840451 | xxxxxx D A C | Closed | xxxxxx | 2025-07-20 17:15 | 2025-07-24 12:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Income is Increasing again and can be considered stable - Per guides on Declining but Stable Income - if there is no reason to believe the borrower's employment will change, the most recent 12-month average of income will be used.. No LOE is required. - Due Diligence Vendor-07/24/2025 <br> Open-Income 1 Income Trend is Decreasing W2 2023 reflects higher income than 2024. Provide an explanation for declining in 2024. - Due Diligence Vendor-07/20/2025 |  | Resolved-Income is Increasing again and can be considered stable - Per guides on Declining but Stable Income - if there is no reason to believe the borrower's employment will change, the most recent 12-month average of income will be used.. No LOE is required. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 710 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840460 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840468 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840470 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840473 | xxxxxx B A | Closed | xxxxxx | 2025-06-12 11:21 | 2025-06-12 15:25 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing evidence of self employment | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/12/2025 <br> Open-EXCEPTION REQUEST: to allow to fund in partnership w/o filed partnership certificate in good standing. Non Material: 1031 used for purchasing Subject is in the name of partnership. - Due Diligence Vendor-06/12/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/12/2025<br>| DSCR % greater than 1.20 - DSCR is 2.172<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 809 | FICO is over 20 pts higher than min<br> LTV is over 5% below max allowed | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840474 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 15:02 | 2025-07-25 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received final title reflecting borrowers name with no additional items. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Final title policy and deed removing from LLC and vesting into personal name enclosed. - Seller-07/23/2025 <br> Open-Provide the final Title Report in the borrower's name to match the Deed of Trust/ Mortgage. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Final title policy and deed removing from LLC and vesting into personal name enclosed. - Seller-07/23/2025 | Resolved-Received final title reflecting borrowers name with no additional items. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower's reserves 17.56 mths.<br>LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 52.53% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840474 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 15:02 | 2025-06-16 14:28 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Upon further review legal is within body of the mortgage - Due Diligence Vendor-06/16/2025 <br> Ready for Review-The legal description is on page 4 of 16 of the previously uploaded DOT. - Seller-06/13/2025 <br> Open-Provide the Legal Description that is part of the Deed of Trust/ Mortgage. - Due Diligence Vendor-06/10/2025 | Ready for Review-The legal description is on page 4 of 16 of the previously uploaded DOT. - Seller-06/13/2025 | Resolved-Upon further review legal is within body of the mortgage - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower's reserves 17.56 mths.<br>LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 52.53% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840476 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-03 14:07 | 2025-08-14 10:14 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is acceptable. - Due Diligence Vendor-08/14/2025 <br> Resolved--Desk Review received post close that supports value. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. CDA ordered shows a value of $xxxxxx which matches the Appraised value of $xxxxxxK. - Seller-07/03/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-11.54'. AVM in file does not support appraisal value. (loan closed per 1008 and approval with appraised value of $xxxxxx. Not matching appraisal or AVM secondary validation in file) - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see attached. CDA ordered shows a value of $xxxxxx which matches the Appraised value of $xxxxxxK. - Seller-07/03/2025 | Resolved-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is acceptable. - Due Diligence Vendor-08/14/2025 <br>Resolved--Desk Review received post close that supports value. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 36.46% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 780 is higher than the minimum FICO required of 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840476 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-03 13:49 | 2025-06-19 16:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/17/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of $xxxxxx. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/17/2025<br>| Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-06/19/2025<br>| Qualifying DTI below maximum allowed - DTI of 36.46% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 780 is higher than the minimum FICO required of 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840476 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-19 15:29 | 2025-08-19 15:31 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Waiver applied to non-material finding as Desk Review supports value. - Due Diligence Vendor-08/19/2025 <br>Open--AVM provided is not within 10% of appraised value. Desk Review obtained that supports value within 10%. - Due Diligence Vendor-08/19/2025 |  | Waived--Waiver applied to non-material finding as Desk Review supports value. - Due Diligence Vendor-08/19/2025<br>| Qualifying DTI below maximum allowed - DTI of 36.46% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 780 is higher than the minimum FICO required of 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 840493 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840494 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840501 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 10:47 | 2025-06-24 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Received final CD from the cash out proceeds of another REO. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached final CD from xxxxxx. - Seller-06/20/2025 <br> Open-Asset 2 Missing Missing documentation to support $139,051.66 liquid assets from secured loan. Please note that assets are not yet finalized, and additional documentation and/or information may be required. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Please see attached final CD from xxxxxx Loan xxxxxx. - Seller-06/20/2025 | Resolved-Received final CD from the cash out proceeds of another REO. - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 726 vs. min FICO 700<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.373<br>Months Reserves exceed minimum required - 74 months available vs. 6 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840503 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840508 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840512 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 14:24 | 2025-06-17 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received current HOI policy. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Disagree, Please see attached updated HOI policy period Loan is DSCR loan type, Property is xxxxxx unit xxxxxx, not a Condo type. - Seller-06/13/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a xxxxxx) is only Partially Provided HOI on file expires on date of Note, also, premium amount does not match lender calc/Final CD amount. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Disagree, Please see attached updated HOI policy period Loan is DSCR loan type, Property is xxxxxx unit xxxxxx, not a Condo type. - Seller-06/13/2025 | Resolved-Received current HOI policy. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 57 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840522 | xxxxxx D B A | Closed | xxxxxx | 2025-06-15 09:29 | 2025-06-27 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-06/16/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-06/15/2025 |  | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 791 is higher than the minimum FICO required of 720<br>Months Reserves exceed minimum required - Verified assets of 36.25 months exceeds the minimum required of 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840522 | xxxxxx D B A | Closed | xxxxxx | 2025-06-14 19:17 | 2025-06-15 10:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Originator exception granted to allow use of 1007 from another appraiser/allow transfer outside of 60 days (X) . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/16/2025 <br> Open-Exception in file to use 1007 from another appraiser and to allow transfer outside of 60 days. - Due Diligence Vendor-06/14/2025 |  | Waived-Originator exception granted to allow use of 1007 from another appraiser/allow transfer outside of 60 days (X) . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 791 is higher than the minimum FICO required of 720<br>Months Reserves exceed minimum required - Verified assets of 36.25 months exceeds the minimum required of 12 months | LTV 35% below max<br> FICO 20 + points above min | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 840523 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 08:07 | 2025-07-25 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Subject held in a business entity which has no PPP limits - Due Diligence Vendor-07/25/2025 <br> Counter-Per state restriction, xxxxxx PPP is permitted on legal entities only with interest rates greater than 8%. Subjects interest rate is 7.25% - Due Diligence Vendor-06/19/2025 <br> Ready for Review-We respectfully disagree. According to DSCR guidelines, section 5.9 Prepayment Penalty (Investment Property), the only restriction for prepayment penalties in xxxxxx are on loans vested to individuals. The subject loan was vested in an LLC. - Seller-06/17/2025 <br> Open-Prepayment Penalty is not allowed. Per State Specific rules, this loan does not meet the Prepayment Penalty allowed. Permissible on loans with an interest rate equal to or less than 8%, max term 3 years or less - cannot be imposed after first change date for ARMs, tiered structure. - Due Diligence Vendor-06/16/2025 | Ready for Review-We respectfully disagree. According to DSCR guidelines, section 5.9 Prepayment Penalty (Investment Property), the only restriction for prepayment penalties in xxxxxx are on loans vested to individuals. The subject loan was vested in an LLC. - Seller-06/17/2025 | Resolved-Subject held in a business entity which has no PPP limits - Due Diligence Vendor-07/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75%- Borrower's DSCR is 1.148%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 812 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840523 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 08:10 | 2025-06-18 18:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained sufficient asset documentation. Audited Reserves of 10.89 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. The borrower received a $28,000 gift towards the subject transaction , as such, they had sufficient funds to meet the 6 mo. reserves requirements. Please see attached. - Seller-06/17/2025 <br> Open-Audited Reserves of 1.71 month(s) are less than Guideline Required Reserves of 6 month(s) Provide proof of funds to meet the reserve requirement. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. The borrower received a $28,000 gift towards the subject transaction , as such, they had sufficient funds to meet the 6 mo. reserves requirements. Please see attached. - Seller-06/17/2025 | Resolved-Upon further review, the loan file contained sufficient asset documentation. Audited Reserves of 10.89 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-06/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75%- Borrower's DSCR is 1.148%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 812 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840526 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 08:15 | 2025-07-25 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure was provided. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/24/2025 <br> Open- - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/24/2025<br>| Resolved-The Business Purpose Affidavit Disclosure was provided. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 735<br>Months Reserves exceed minimum required - Min reserves required 6 mths- Borrowers have 72.91 mths in reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840529 | xxxxxx D A | Closed | xxxxxx | 2025-06-09 13:18 | 2025-07-08 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received corrected appraisal. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/03/2025 <br> Open-Appraiser has marked appraisal as Owner Occupied yet this is an Investment loan - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/03/2025<br>| Resolved-Received corrected appraisal. - Due Diligence Vendor-07/08/2025<br>| LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840529 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 06:58 | 2025-06-17 14:34 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received 1008 reflecting limited review Type Q-warrantable. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. PC 1008 uploaded with updated comments. - Seller-06/16/2025 <br> Open-UW Attestation is missing - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. PC 1008 uploaded with updated comments. - Seller-06/16/2025<br>| Resolved-Received 1008 reflecting limited review Type Q-warrantable. - Due Diligence Vendor-06/17/2025<br>| LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840529 | xxxxxx D A | Closed | xxxxxx | 2025-06-09 10:23 | 2025-06-13 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please waive as this is an ITIN loan with citizenship documented with the enclosed ITIN letter. Proof of xxxxxx. citizenship or country of origin is not required as xxxxxx. citizenship is documented with the IRS ITIN letter. - Seller-06/12/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing VISA or EAD - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please waive as this is an ITIN loan with citizenship documented with the enclosed ITIN letter. Proof of xxxxxx. citizenship or country of origin is not required as xxxxxx. citizenship is documented with the IRS ITIN letter. - Seller-06/12/2025 | Resolved-Received ITIN - Due Diligence Vendor-06/13/2025<br>| LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840529 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 09:27 | 2025-06-13 11:37 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-After further review, prepays are not allowed in xxxxxx on xxxxxx loans. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025 <br> Open-Per the guidelines all loans in xxxxxx need a prepayment penalty; however, the subject property is located in xxxxxx and has no prepayment penalty. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025<br>| Resolved-After further review, prepays are not allowed in xxxxxx on xxxxxx loans. - Due Diligence Vendor-06/13/2025 | LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840531 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840533 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 11:45 | 2025-06-11 12:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 75% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% above minimum allowed.<br> - Due Diligence Vendor-06/11/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV is 70% for unleased unit on xxxxxx program - Due Diligence Vendor-06/11/2025 |  | Waived-Originator exception granted to allow 75% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% above minimum allowed.<br> - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 743<br>On time mortgage history exceeds guideline requirement - 0x30x36<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 19.07 mths reserves | - FICO 743.<br> - 24+ month on time mortgage payment history. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840534 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 10:06 | 2025-07-16 15:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Deed of Trust w/ Notary Date. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Please see attached. - Seller-07/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary is not dated - Due Diligence Vendor-06/06/2025 | Ready for Review-Please see attached. - Seller-07/14/2025<br>| Resolved-Received Recorded Deed of Trust w/ Notary Date. - Due Diligence Vendor-07/16/2025<br>| Verified employment history exceeds guidelines - Co-borrower's employment is over 5 years <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 33.44% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840534 | xxxxxx C B A | Closed | xxxxxx | 2025-06-09 08:13 | 2025-06-16 16:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow 8.85 months reserves in lieu of 12 months required. Non-material waiver applied with comp factors. Deemed non-material due to only 3.15 months short of requirement, all funds are borrower with no gifts. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br> Open-Audited Reserves of 8.85 month(s) are less than Guideline Required Reserves of 12 month(s) Provide proof the 12 months required reserves. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025<br>| Waived-Originator exception granted to allow 8.85 months reserves in lieu of 12 months required. Non-material waiver applied with comp factors. Deemed non-material due to only 3.15 months short of requirement, all funds are borrower with no gifts. - Due Diligence Vendor-06/16/2025<br>| Verified employment history exceeds guidelines - Co-borrower's employment is over 5 years <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 33.44% | -dti is over 5% below max allowed (actual 33%)<br> -24months 0x30 housing history (Currently rents and actual documented 0x30x12)<br> -4+ years employment (actual 5 years) | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840535 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 14:46 | 2025-06-19 16:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Notary. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-The DOT notary page was actually found in the uploaded package, please see page 576 - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Notary page to DOT - Seller-06/17/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ---Notary missing - Due Diligence Vendor-06/13/2025 | Ready for Review-The DOT notary page was actually found in the uploaded package, please see page 576 - Seller-06/17/2025 <br>Ready for Review-Document Uploaded. Please see attached Notary page to DOT - Seller-06/17/2025<br>| Resolved-Received Notary. - Due Diligence Vendor-06/19/2025<br>| DSCR % greater than 1.20 - <br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 751. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840535 | xxxxxx C B A | Closed | xxxxxx | 2025-06-17 09:42 | 2025-06-17 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not atr affecting and strong compensating factors. - Due Diligence Vendor-06/17/2025 |  | Waived-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not atr affecting and strong compensating factors. - Due Diligence Vendor-06/17/2025 | DSCR % greater than 1.20 - <br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 751. | DSCR ratio is > than 1.20<br> FICO 20 points above minimum. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840535 | xxxxxx C B A | Closed | xxxxxx | 2025-06-17 13:19 | 2025-06-17 13:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements VOR required for FTHB over 70% LTV. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/17/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements VOR required for FTHB over 70% LTV. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/17/2025 | DSCR % greater than 1.20 - <br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 751. | DSCR > 1.20<br> Score is 20+ points above min required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840545 | xxxxxx D B A | Closed | xxxxxx | 2025-06-13 10:53 | 2025-06-19 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure provided. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Guides require the Business Purpose Affidavit - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025<br>| Resolved-The Business Purpose Affidavit Disclosure provided. - Due Diligence Vendor-06/19/2025 | Months Reserves exceed minimum required - 11 months available vs. 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 792 vs. min 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840545 | xxxxxx D B A | Closed | xxxxxx | 2025-06-13 12:42 | 2025-06-19 10:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow FTI without a housing history. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower only on title to current primary but not on the note, lacks 12 month housing history for first time investor. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Waived-Originator exception granted to allow FTI without a housing history. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/19/2025 | Months Reserves exceed minimum required - 11 months available vs. 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 792 vs. min 680 | FICO 20+ points above min<br> DSCR > 1.2<br> 0X30 credit history | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840552 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 12:42 | 2025-06-16 09:07 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-xxxxxx and closed in the name of a business. - Due Diligence Vendor-06/16/2025 <br> Open-Prepayment Penalty is not allowed. Per State PPP, rate must be 6% or below when closing in LLC - Due Diligence Vendor-06/13/2025 |  | Resolved-xxxxxx and closed in the name of a business. - Due Diligence Vendor-06/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 712<br>LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840599 | xxxxxx B A | Closed | xxxxxx | 2025-07-17 11:39 | 2025-07-17 12:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material findings - Due Diligence Vendor-07/17/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material findings - Due Diligence Vendor-07/17/2025<br>| LTV is less than guideline maximum - Max LTV 90% /Subject LTV 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840633 | xxxxxx D A | Closed | xxxxxx | 2025-07-28 12:49 | 2025-07-29 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not required per guidelines. - Due Diligence Vendor-07/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Gap Credit Report is Missing - Due Diligence Vendor-07/28/2025 |  | Resolved-Borrower 1 Gap Credit Report is not required per guidelines. - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 786 vs. min FICO of 680<br>Credit history exceeds minimum required - Credit History = 99 Months Minimum Credit History = 24 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840641 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840645 | xxxxxx C A | Closed | xxxxxx | 2025-07-15 09:28 | 2025-07-21 11:05 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert. - Due Diligence Vendor-07/21/2025 <br> Open-Flood Certification Date is greater than xxxxxx Loan file is absent flood cert dated prior to xxxxxx - Due Diligence Vendor-07/15/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - BORROWER'S FICO 802, GL REQUIREMENT 660, REPRESENTS 142 POINTS OVER REQMT. <br>Qualifying DTI below maximum allowed - QUAIFYING DTI 27.15%, 22.85% BELOW REQUIREMENT OF 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840648 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 08:33 | 2025-06-30 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-management approval provided. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. LOX - Seller-06/30/2025 <br> Counter-Missing management acknowledgment as score >800. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-LOX - Seller-06/26/2025 <br> Counter-Received fraud report-missing management acknowledgment as score >800. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-lox letter - Seller-06/24/2025 <br> Counter-Document Uploaded. Received Fraud Report-score >800 required Management Acknowledgment-please provide. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-06/20/2025 <br> Open-Missing Third Party Fraud Report. Fraud Report is required. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. LOX - Seller-06/30/2025 <br>Ready for Review-LOX - Seller-06/26/2025 <br>Ready for Review-lox letter - Seller-06/24/2025 <br>Ready for Review-Document Uploaded. xxxxxx - Seller-06/20/2025<br>| Resolved-management approval provided. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 806 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - DTI is 26.77% and max allowed is 49.99% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840648 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 08:14 | 2025-06-23 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-06/20/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. The Gap Report is required. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-06/20/2025 | Resolved-Received Credit Refresh - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 806 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - DTI is 26.77% and max allowed is 49.99% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840652 | xxxxxx D A C | Closed | xxxxxx | 2025-06-17 14:18 | 2025-06-30 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Management approval provided. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. LOX - Seller-06/30/2025 <br> Counter-Reviewer did not receive acknowledgement of score >800-duplicate fraud report received. Please provide missing management acknowledgment. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-LOX - Seller-06/26/2025 <br> Counter-Received Fraud Report-score >800-missing management acknowledgment. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-lox - Seller-06/24/2025 <br> Counter-Received Fraud Report-score >800-please provide management acknowledgment. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-xxxxxx - Seller-06/20/2025 <br> Open-Missing Third Party Fraud Report Missing copy of the Third Party Fraud Report. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. LOX - Seller-06/30/2025 <br> Ready for Review-LOX - Seller-06/26/2025 <br> Ready for Review-lox - Seller-06/24/2025 <br> Ready for Review-xxxxxx - Seller-06/20/2025 | Resolved-Management approval provided. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 5.68 months > 4 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840652 | xxxxxx D A C | Closed | xxxxxx | 2025-06-17 10:49 | 2025-06-30 14:26 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. record dot - Seller-06/26/2025 <br> Counter-Reviewer did not receive complete security instrument with legal attached-please re upload. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-DOT - Seller-06/24/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to mortgage chain. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. record dot - Seller-06/26/2025 <br>Ready for Review-DOT - Seller-06/24/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 5.68 months > 4 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840652 | xxxxxx D A C | Closed | xxxxxx | 2025-06-17 14:12 | 2025-06-23 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-xxxxxx - Seller-06/20/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-06/17/2025 | Ready for Review-xxxxxx - Seller-06/20/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-06/23/2025<br>| Months Reserves exceed minimum required - 5.68 months > 4 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840652 | xxxxxx D A C | Closed | xxxxxx | 2025-06-17 10:23 | 2025-06-23 11:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC for fee increase. Finding resolved. - Due Diligence Vendor-06/23/2025 <br> Resolved- - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. COC FOR 1004D FEE ADDED TO LOCK LE - Seller-06/20/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $200.00 (Appraisal Update) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $200.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. COC FOR 1004D FEE ADDED TO LOCK LE - Seller-06/20/2025<br>| Resolved-Rec'd COC for fee increase. Finding resolved. - Due Diligence Vendor-06/23/2025<br>| Months Reserves exceed minimum required - 5.68 months > 4 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840655 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 17:31 | 2025-06-26 14:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received gift letter and updated final 1003. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please find the attached gift letter, 1008 and post 1003 - Seller-06/24/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing Gift Letter for $92,624.09 (per final 1003). Loan file contained wire to title but missing gift letter. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please find the attached gift letter, 1008 and post 1003 - Seller-06/24/2025<br>| Resolved-Received gift letter and updated final 1003. - Due Diligence Vendor-06/26/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 42.45%. <br>Verified employment history exceeds guidelines - 5 years verified employment exceed the 24 month minimum required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840656 | xxxxxx D B A | Closed | xxxxxx | 2025-06-19 12:59 | 2025-07-14 10:43 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-The Affiliated Business Disclosure requires for the Cash-Out transaction with Investment property. This is Cash-out transaction for owner occupied property. Can you please waive this condition? - Seller-07/03/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-06/19/2025 | Ready for Review-The Affiliated Business Disclosure requires for the Cash-Out transaction with Investment property. This is Cash-out transaction for owner occupied property. Can you please waive this condition? - Seller-07/03/2025<br>| Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 790 score . Per guides, minimum score required 740<br>Months Reserves exceed minimum required - 159mos reserves. Per guides, 4 reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 840656 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 13:50 | 2025-07-08 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received policy with address verification. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached the full hazard policy, and it was already included in the closing package. Please waive this condition. - Seller-07/03/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Hazard insurance policy missing subject property address. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached the full hazard policy, and it was already included in the closing package. Please waive this condition. - Seller-07/03/2025<br>| Resolved-Received policy with address verification. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 790 score . Per guides, minimum score required 740<br>Months Reserves exceed minimum required - 159mos reserves. Per guides, 4 reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840657 | xxxxxx C B A | Closed | xxxxxx | 2025-06-20 04:20 | 2025-06-26 14:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received tax preparer validation. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-06/25/2025 <br> Open-Missing CPA Validation - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please find the attached. - Seller-06/25/2025<br>| Resolved-Received tax preparer validation. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 803 is higher than the 700 minimum <br>Credit history exceeds minimum required - Credit History exceeds minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840657 | xxxxxx C B A | Closed | xxxxxx | 2025-06-20 04:05 | 2025-06-26 14:36 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please review again and waive this condition. They match. - Seller-06/25/2025 <br> Open-Security Instrument Date does not match the Note Date - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please review again and waive this condition. They match. - Seller-06/25/2025<br>| Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 803 is higher than the 700 minimum <br>Credit history exceeds minimum required - Credit History exceeds minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840657 | xxxxxx C B A | Closed | xxxxxx | 2025-06-18 11:04 | 2025-06-18 11:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 803 is higher than the 700 minimum <br>Credit history exceeds minimum required - Credit History exceeds minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 840658 | xxxxxx D B A | Closed | xxxxxx | 2025-06-23 15:29 | 2025-06-25 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/24/2025<br>| Resolved-Received Credit Refresh. - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 785.<br>Months Reserves exceed minimum required - 108 months reserves. Per guides, 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840658 | xxxxxx D B A | Closed | xxxxxx | 2025-06-18 16:02 | 2025-06-18 16:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 785.<br>Months Reserves exceed minimum required - 108 months reserves. Per guides, 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 840660 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840671 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840680 | xxxxxx D A | Closed | xxxxxx | 2025-07-15 16:38 | 2025-07-21 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI Policy and RCE. - Due Diligence Vendor-07/21/2025 <br> Open-Missing Hazard Insurance Policy Missing HOI policy for subject property and RCE if applicable. Additional conditions may apply. - Due Diligence Vendor-07/16/2025 |  | Resolved-Received HOI Policy and RCE. - Due Diligence Vendor-07/21/2025<br>| Qualifying DTI below maximum allowed - max DTI per guidelines is 50% borrowers' qualifying DTI 22.58%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO is 785, guideline requirements 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840682 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 840700 | xxxxxx D A C | Closed | xxxxxx | 2025-07-08 08:17 | 2025-07-24 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received credit supplement with 3 months history. Borrower meets the < 12 months housing history guidelines. - Due Diligence Vendor-07/24/2025 <br> Counter-Received bank statements-review is unable to confirm VOM/payment history for xxxxxx with documentation provided-must meet guidelines 2.5.5.1.2. Original finding remains - Due Diligence Vendor-07/17/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 month payment history for REO xxxxxx - Due Diligence Vendor-07/08/2025 |  | Resolved-Received credit supplement with 3 months history. Borrower meets the < 12 months housing history guidelines. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - DTI of 27.29% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 9.48 months exceeds the minimum required of 3 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840700 | xxxxxx D A C | Closed | xxxxxx | 2025-07-08 08:17 | 2025-07-24 10:24 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing credit supplement for borrower. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - DTI of 27.29% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 9.48 months exceeds the minimum required of 3 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840700 | xxxxxx D A C | Closed | xxxxxx | 2025-06-30 15:44 | 2025-07-08 10:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-A Credit of $145.00 is present on Final CD. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $145.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A Credit of $145.00 is present on Final CD. Finding resolved. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-A Credit of $145.00 is present on Final CD. Finding resolved. - Due Diligence Vendor-07/08/2025<br>| Qualifying DTI below maximum allowed - DTI of 27.29% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 9.48 months exceeds the minimum required of 3 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840706 | xxxxxx C A B | Closed | xxxxxx | 2025-06-19 10:04 | 2025-08-14 09:37 | Resolved | 1 - Information C A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk Review provided that supports value. - Due Diligence Vendor-08/14/2025 <br> Open-Additional valuation product has not been provided. Graded xxxxxx C grade until obtained. - Due Diligence Vendor-08/12/2025 |  | Resolved-Desk Review provided that supports value. - Due Diligence Vendor-08/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 768 is higher than the minimum FICO required of 700<br>Qualifying DTI below maximum allowed - DTI of 29.6% is less than the maximum allowed per guidelines of 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840706 | xxxxxx C A B | Closed | xxxxxx | 2025-06-19 10:45 | 2025-06-20 14:51 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/19/2025 <br> Open-Missing Approval/Underwriting Summary Missing loan approval for transaction or 1008 - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/19/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-06/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 768 is higher than the minimum FICO required of 700<br>Qualifying DTI below maximum allowed - DTI of 29.6% is less than the maximum allowed per guidelines of 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840707 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840711 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840720 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840722 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840750 | xxxxxx C A | Closed | xxxxxx | 2025-07-10 16:27 | 2025-07-16 10:22 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received confirmation of sufficient xxxxxx Coverage-under options and endorsements of master policy. - Due Diligence Vendor-07/16/2025 <br> Open-xxxxxx Coverage not met. xxxxxx/Crime insurance coverage amount must equal at least the sum of three months of assessments on all units in the project per xxxxxx Guides. Master Policy reflects xxxxxx for xxxxxx coverage. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received confirmation of sufficient xxxxxx Coverage-under options and endorsements of master policy. - Due Diligence Vendor-07/16/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines. Borrower employed for 3.25 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840769 | xxxxxx B A | Closed | xxxxxx | 2025-07-14 12:22 | 2025-07-14 12:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 769 and minimum allowed is 620<br>Months Reserves exceed minimum required - Borrower has 16.57 months of reserves and only needs 3 months to qualify.<br>LTV is less than guideline maximum - LTV is 65% and max allowed is 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840788 | xxxxxx D B A | Closed | xxxxxx | 2025-07-16 08:47 | 2025-07-16 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Taxes for xxxxxx provided. - Due Diligence Vendor-07/16/2025 <br> Open-Missing the property taxes for property xxxxxx. - Due Diligence Vendor-07/16/2025 |  | Resolved-Document Uploaded. Taxes for xxxxxx provided. - Due Diligence Vendor-07/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 758<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower's reserves 115.65 mths. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840788 | xxxxxx D B A | Closed | xxxxxx | 2025-07-16 08:16 | 2025-07-16 13:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-May statement provided. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing a full 30 days bank statements from the xxxxxx accounts being used in this transaction (the ones provided covered 6/01/25- 6/05/2025). - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-May statement provided. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 758<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower's reserves 115.65 mths. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840788 | xxxxxx D B A | Closed | xxxxxx | 2025-07-16 07:18 | 2025-07-16 13:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-07/16/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing sufficient Title Coverage in the amount of the total amount of the subject lien(s). - Due Diligence Vendor-07/16/2025 |  | Resolved-Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-07/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 758<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower's reserves 115.65 mths. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840788 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 09:44 | 2025-07-14 09:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 |  | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 758<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower's reserves 115.65 mths. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840794 | xxxxxx B A | Closed | xxxxxx | 2025-07-09 06:17 | 2025-07-09 10:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - 47 months reserves exceeds required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 with allowable 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 840821 | xxxxxx D A | Closed | xxxxxx | 2025-06-28 13:02 | 2025-07-11 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payoff statement with a next due date of 6/1/2025. - Due Diligence Vendor-07/11/2025 <br> Counter-Please provide evidence the 05/25 payment with xxxxxx has been paid. Proof of the April xxxxxx payment is on the mortgage statement dated 4/30/25. - Due Diligence Vendor-07/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Primary residence- Missing mtg payment being made for xxxxxx for 5/1 and Heloc 2nd lien xxxxxx missing 4/1 mtg payment being made. - Due Diligence Vendor-06/28/2025 |  | Resolved-Received payoff statement with a next due date of 6/1/2025. - Due Diligence Vendor-07/11/2025 | LTV is less than guideline maximum - LTV 54.88% max 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 703; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840821 | xxxxxx D A | Closed | xxxxxx | 2025-06-28 12:54 | 2025-07-02 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received verification of business. - Due Diligence Vendor-07/02/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Self-Employed Borrowers only: The borrower must own at least 25% of <br> the business and the business must have been in existence for at least 2 years.<br> ▪ Third-party verification is required (CPA/Tax Preparer letter, <br> confirmation from regulatory or state agency, or applicable <br> licensing bureau) - Due Diligence Vendor-06/28/2025 |  | Resolved-Received verification of business. - Due Diligence Vendor-07/02/2025<br>| LTV is less than guideline maximum - LTV 54.88% max 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 703; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840870 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840881 | xxxxxx C B A | Closed | xxxxxx | 2025-07-18 13:16 | 2025-08-01 16:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Document Uploaded. DOT provided with legal description. - Due Diligence Vendor-08/01/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Missing Legal Description - Due Diligence Vendor-07/18/2025 |  | Resolved-Document Uploaded. DOT provided with legal description. - Due Diligence Vendor-08/01/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+16k)<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840881 | xxxxxx C B A | Closed | xxxxxx | 2025-07-18 13:53 | 2025-07-18 15:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client Waiver applied to non-material findings. - Due Diligence Vendor-07/18/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client Waiver applied to non-material findings. - Due Diligence Vendor-07/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+16k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840895 | xxxxxx C A | Closed | xxxxxx | 2025-07-07 09:32 | 2025-07-22 10:09 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received LOE from the Borrower and corrected 1003. Item was marked in error. - Due Diligence Vendor-07/22/2025 <br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Borrower is on debt or a loan not in this application according to the 1003 Declaration. Missing information for said debt to be included in DTI or waived with proof other party makes payments. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received LOE from the Borrower and corrected 1003. Item was marked in error. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - 16.40% Qualifying DTI below 50% maximum allowed<br>Months Reserves exceed minimum required - 67.49 Months Reserves exceed 6 month minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840897 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-10 11:57 | 2025-07-15 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--Documentation provided within 10 days of closing. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. The attached VOE was obtained from xxxxxx.gov, a paid website, on xxxxxx which is within 10 days of the Note date, xxxxxx. - Seller-07/10/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing current final verification of the business being open and in good standing. (in file Good Standing status as of date is xxxxxx) - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. The attached VOE was obtained from xxxxxx.gov, a paid website, on xxxxxx which is within 10 days of the Note date, xxxxxx. - Seller-07/10/2025 | Resolved--Documentation provided within 10 days of closing. - Due Diligence Vendor-07/15/2025<br>| LTV is less than guideline maximum - LTV 80 / Maximum 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO - 726 / Minimum 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840897 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-09 09:33 | 2025-07-14 09:13 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured------Received PCCD xxxxxx, copy of check $745.00 LOX and evidence of delivery - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,736,493.33. The disclosed finance charge of $1,735,748.33 is not considered accurate because it is understated by more than $100 at $745. Provide evidence of refund or principal reduction of $745, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 | Cured------Received PCCD xxxxxx, copy of check $745.00 LOX and evidence of delivery - Due Diligence Vendor-07/14/2025 | LTV is less than guideline maximum - LTV 80 / Maximum 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO - 726 / Minimum 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840897 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-09 09:33 | 2025-07-14 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-----Waiting period met - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. SEE ATTACHED CORRECTED CD - Seller-07/11/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. -----The APR decreased from 8.88% on CD xxxxxx to 8.295% on final CD xxxxxx without a new three day waiting period. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. SEE ATTACHED CORRECTED CD - Seller-07/11/2025 | Resolved-----Waiting period met - Due Diligence Vendor-07/14/2025<br>| LTV is less than guideline maximum - LTV 80 / Maximum 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO - 726 / Minimum 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840897 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-08 16:55 | 2025-07-14 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received corrected final CD xxxxxx and PCCD xxxxxx, recording fees. - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. DUE TO SYSTEM GLITCH, ATTACHED IS THE CORRECTED CD FOR SECTION E SHOWING NO VIOLATION ON THE TOLERANCE. - Seller-07/10/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($10,469.50) exceed the comparable charges ($6,752.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $3,042.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $3,042.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. DUE TO SYSTEM GLITCH, ATTACHED IS THE CORRECTED CD FOR SECTION E SHOWING NO VIOLATION ON THE TOLERANCE. - Seller-07/10/2025 | Resolved-----Received corrected final CD xxxxxx and PCCD xxxxxx, recording fees. - Due Diligence Vendor-07/14/2025 | LTV is less than guideline maximum - LTV 80 / Maximum 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO - 726 / Minimum 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840899 | xxxxxx C A | Closed | xxxxxx | 2025-07-18 13:01 | 2025-07-25 11:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received email confirming the coverage amount is xxxxxx and is sufficient. - Due Diligence Vendor-07/25/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Missing title coverage - Due Diligence Vendor-07/18/2025 |  | Resolved-Received email confirming the coverage amount is xxxxxx and is sufficient. - Due Diligence Vendor-07/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 810 vs. 680<br>CLTV is less than guidelines maximum - <30% vs. max CLTV 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840901 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840906 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 20:23 | 2025-07-16 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-SAM.gov received for the closer. - Due Diligence Vendor-07/16/2025 <br> Counter-SAM.Gov for the borrower provided, however we are missing SAM.gov for the loan closer. - Due Diligence Vendor-07/14/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing cleared searches for borrower and loan closer - Due Diligence Vendor-07/10/2025 |  | Resolved-SAM.gov received for the closer. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below maximum allowed - 22.91% Qualifying DTI below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 772 Qualifying FICO score is at least 20 points above 660 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840906 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 20:23 | 2025-07-16 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC. - Due Diligence Vendor-07/14/2025 <br> Open-OFAC Check Not Completed and/or Cleared Missing cleared search for broker rep - Due Diligence Vendor-07/10/2025 |  | Resolved-Received OFAC. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - 22.91% Qualifying DTI below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 772 Qualifying FICO score is at least 20 points above 660 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840906 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 20:21 | 2025-07-14 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received rent free letter. - Due Diligence Vendor-07/14/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing letter of explanation (LOE) executed by Relative confirming that there is/was no monthly obligation/rent free per 1003. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received rent free letter. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - 22.91% Qualifying DTI below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 772 Qualifying FICO score is at least 20 points above 660 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840932 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 16:20 | 2025-07-21 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Feb 2025 receipt. - Due Diligence Vendor-07/21/2025 <br> Counter-Received 6/25, 5/25,4/25, 3/25, 1/25, 12/24--missing receipt of February 2025 - Due Diligence Vendor-07/17/2025 <br> Open-Borrower alimony requires 6 months receipt of income per xxxxxx guides. Only 3 months provided (April, May & June 2025) and divorce decree (xxxxxx). Provide 3 more months (Jan, Feb, March 2025) of proof of receipt of income. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Feb 2025 receipt. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 757; minimum score 680.<br>Long term residence - Long time residence. Borrower has been un current primary for 35.5 yrs. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840932 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 16:54 | 2025-07-15 09:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/15/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-07/10/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 757; minimum score 680.<br>Long term residence - Long time residence. Borrower has been un current primary for 35.5 yrs. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840936 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840942 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 18:23 | 2025-07-02 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Upon further review, subject is a xxxxxx. Documentation requested is not required. - Due Diligence Vendor-07/02/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire Document. Additionally, findings may apply upon receipt. - Due Diligence Vendor-06/27/2025 |  | Resolved-Upon further review, subject is a site xxxxxx. Documentation requested is not required. - Due Diligence Vendor-07/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762; guidelines require 700. <br>LTV is less than guideline maximum - LTV 60% LTV. Allowed 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840942 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 18:29 | 2025-07-02 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Subject is a xxxxxx. Documentation requested is not required. - Due Diligence Vendor-07/02/2025 <br> Open-Missing Condo Master Insurance Policy . Additionally, findings may apply upon receipt. - Due Diligence Vendor-06/27/2025 |  | Resolved-Subject is a Site xxxxxx. Documentation requested is not required. - Due Diligence Vendor-07/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762; guidelines require 700. <br>LTV is less than guideline maximum - LTV 60% LTV. Allowed 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840944 | xxxxxx D B A | Closed | xxxxxx | 2025-07-12 12:37 | 2025-08-11 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Received business license confirming type of business. - Due Diligence Vendor-07/30/2025 <br> Counter-Unable to determine the nature of the business. Please provide the business narrative. - Due Diligence Vendor-07/21/2025 <br> Open-Missing Self Employed Business Narrative. - Due Diligence Vendor-07/12/2025 |  | Resolved-Received business license confirming type of business. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779<br>Months Reserves exceed minimum required - Min reserves require 0 mths- Borrower has 22.39 mths resereves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840944 | xxxxxx D B A | Closed | xxxxxx | 2025-07-12 12:45 | 2025-08-01 13:33 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received email from the title company confirming xxxxxx and xxxxxx does not effect title and these were a part of the taxes. The final title was provided confirming no liens or taxes in arrears. - Due Diligence Vendor-08/01/2025 <br> Counter-Please provide documentation to support the tax liens have been paid at or prior to close. - Due Diligence Vendor-07/21/2025 <br> Open-Missing proof that the title liens reflected on title are satisfied. These include but are not limited to xxxxxx and xxxxxx. Upon receipt additional conditions may apply. - Due Diligence Vendor-07/12/2025 |  | Resolved-Received email from the title company confirming xxxxxx and xxxxxx does not effect title and these were a part of the taxes. The final title was provided confirming no liens or taxes in arrears. - Due Diligence Vendor-08/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779<br>Months Reserves exceed minimum required - Min reserves require 0 mths- Borrower has 22.39 mths resereves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840944 | xxxxxx D B A | Closed | xxxxxx | 2025-07-12 12:43 | 2025-07-30 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received all business bank statement pages. - Due Diligence Vendor-07/30/2025 <br> Counter-Received income calc worksheet-documentation insufficient-original finding remains. - Due Diligence Vendor-07/23/2025 <br> Counter-Statements were not attached. Please re-attach. - Due Diligence Vendor-07/21/2025 <br> Counter-Bank statements provided, however we are still missing the pages listed in the original finding. - Due Diligence Vendor-07/18/2025 <br> Open-Missing all pages from the xxxxxx account used for income calculation for the months of 11/30/24 (missing page 3), 10/31/24 (missing page 3 & 5), 9/30/24 (missing page 3 & 5), 8/31/24 (missing page 3 & 5), 7/31/24 (missing page 3 & 5), 6/30/24 (missing page 3 & 5), 5/31/24 (missing page 2 & 5), 4/30/24 (missing page 3 & 5). - Due Diligence Vendor-07/12/2025 |  | Resolved-Received all business bank statement pages. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779<br>Months Reserves exceed minimum required - Min reserves require 0 mths- Borrower has 22.39 mths resereves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840944 | xxxxxx D B A | Closed | xxxxxx | 2025-07-12 12:10 | 2025-07-22 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement income worksheet. - Due Diligence Vendor-07/22/2025 <br> Counter-Worksheet provided does not list the months used for qualifications. - Due Diligence Vendor-07/18/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Lender's Income Calculation Worksheet is missing. - Due Diligence Vendor-07/12/2025 |  | Resolved-Received Bank Statement income worksheet. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779<br>Months Reserves exceed minimum required - Min reserves require 0 mths- Borrower has 22.39 mths resereves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840944 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 13:48 | 2025-07-10 13:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779<br>Months Reserves exceed minimum required - Min reserves require 0 mths- Borrower has 22.39 mths resereves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840976 | xxxxxx B A | Closed | xxxxxx | 2025-07-10 12:51 | 2025-07-10 12:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 99.88 months are higher than minimum required 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 696 is higher than Guideline Min FICO of 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840977 | xxxxxx C B A | Closed | xxxxxx | 2025-07-30 12:33 | 2025-07-30 16:04 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted to allow trust assets for income, Non-material waiver applied with comp factors. non-material due to LTV at 70% and borrower having full access to funds<br> - Due Diligence Vendor-07/30/2025 <br> Open-Lenders Exception for the following Asset depletion. mom died leaving all the assets to the borrower. The Statement of Intent in the Trust clearly identifies that the Trust was created for the benefit of the primary beneficiary, our borrower. In xxxxxx the borrower created a xxxxxx Agreement which transferred all the assets from the original trust into his trust, Amended xxxxxxTrust. Exception is requested to be able to use the assets as income as the borrower has full access and control of the Trust. - Due Diligence Vendor-07/30/2025 |  | Waived-Client exception granted to allow trust assets for income, Non-material waiver applied with comp factors. non-material due to LTV at 70% and borrower having full access to funds<br> - Due Diligence Vendor-07/30/2025 | LTV is less than guideline maximum - LTV 70% is lower than maximum 80%<br>Qualifying DTI below maximum allowed - DTI 30.93% is lower than allowable 50% | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840987 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 08:36 | 2025-07-21 16:05 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-6 Months proof of payments provided from January through June. - Due Diligence Vendor-07/21/2025 <br> Open-Missing proof that the Business made the xxxxxx payment of $735 during the period of 12/11/24- 1/10/25 (December payment), as it is not shown on statement or included into the DTI. - Due Diligence Vendor-07/08/2025 |  | Resolved-6 Months proof of payments provided from January through June. - Due Diligence Vendor-07/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 711<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- borrower has 9.09 mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840989 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840994 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 841001 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841007 | xxxxxx D A C | Closed | xxxxxx | 2025-06-27 19:24 | 2025-07-14 10:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Recorded UCC1 provided. - Due Diligence Vendor-07/14/2025 <br> Counter-xxxxxx documentation provided, however we are missing the legal description sent for recording. - Due Diligence Vendor-07/03/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-06/27/2025 |  | Resolved-Recorded UCC1 provided. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 735; guidelines require 660. <br>Months Reserves exceed minimum required - 53 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841007 | xxxxxx D A C | Closed | xxxxxx | 2025-06-27 19:57 | 2025-07-03 11:22 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value is supported. - Due Diligence Vendor-07/03/2025 <br> Open-Additional valuation product has not been provided. Missing Additional valuation product. - Due Diligence Vendor-06/27/2025 |  | Resolved-Received Desk Review. Value is supported. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 735; guidelines require 660. <br>Months Reserves exceed minimum required - 53 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841069 | xxxxxx B A | Closed | xxxxxx | 2025-07-10 12:27 | 2025-07-10 12:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. Borrower carries separate HOI coverage in addition to master policy. - Due Diligence Vendor-08/12/2025 <br> Open-Exception Approved: Condo does not meet requirements - due to insufficient Condo Insurance Coverage. Finding Comment: xxxxxx does not meet minimum insurance requirements; Originator exception in file with compensating factors; blanket client waiver for non-material finding is approved. - Due Diligence Vendor-07/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Borrower carries separate HOI coverage in addition to master policy. - Due Diligence Vendor-08/12/2025 | LTV is less than guideline maximum - Qualifying LTV 30.76% is lower than 90% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 789 is higher than Guideline Min FICO of 680 | -Credit score 10+ points > minimum required-789(680);<br> - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines- 34% (GL =85%); <br> - DTI < 40%- 35% (50%); | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841083 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841093 | xxxxxx C B A | Closed | xxxxxx | 2025-07-10 08:52 | 2025-07-18 10:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for no reserves, applied to non material finding with comp factors - Due Diligence Vendor-07/18/2025 <br> Counter-Asset variance, we have $150,395.21 from the exchange and the balance as of 05/30/2025 in xxxxxx is $2,157.94. - Due Diligence Vendor-07/16/2025 <br> Open-Audited Reserves of 0.91 month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets are not sufficient to cover minimum reserves required of 6 months. - Due Diligence Vendor-07/10/2025 |  | Waived-Client provided a waiver for no reserves, applied to non material finding with comp factors - Due Diligence Vendor-07/18/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 34 months<br>Qualifying DTI below maximum allowed - DTI of 24.48% is less than the maximum allowed per guidelines of 50% | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Compensating Factor 2 - Credit Score 30+ points > minimum required<br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841122 | xxxxxx C B A | Closed | xxxxxx | 2025-07-16 10:10 | 2025-07-24 10:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-The request for an exception to xxxxxx eligibility criteria is granted for Square Feet. - Due Diligence Vendor-07/24/2025 <br> Open-Per guides the minimum square footage is 700 square feet. Subject property is xxxxxx. - Due Diligence Vendor-07/16/2025 |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted for Square Feet. - Due Diligence Vendor-07/24/2025 | Months Reserves exceed minimum required - 127.80 months reserves; 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 707 is higher than the required 680 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841123 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 13:58 | 2025-07-14 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-07/14/2025 <br> Open-Missing Condo Master Insurance Policy Missing Condo Master Policy. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-07/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 773.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 8.32 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841123 | xxxxxx D A | Closed | xxxxxx | 2025-07-10 11:10 | 2025-07-14 10:45 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received Master Policy w/sufficient xxxxxx Coverage. - Due Diligence Vendor-07/14/2025 <br> Open-Missing xxxxxx Bond Coverage. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received Master Policy w/sufficient xxxxxx Coverage. - Due Diligence Vendor-07/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 773.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 8.32 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841133 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841153 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841161 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841164 | xxxxxx D C A B | Closed | xxxxxx | 2025-08-12 13:03 | 2025-08-12 13:05 | Waived | 2 - Non-Material D B | Property | Missing Doc | Appraisal is Missing | Waived--File contains 2055 valuation product, in lieu of full appraisal. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/12/2025 <br> Open--Per HPML requirement a full appraisal is required. - Due Diligence Vendor-08/12/2025 |  | Waived--File contains 2055 valuation product, in lieu of full appraisal. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/12/2025 | Verified employment history exceeds guidelines - Both borrowers have been at their present jobs over 20 years. <br> CLTV is less than guidelines maximum - Qualifying CLTV 68.59 is less than the guideline max of 80. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841164 | xxxxxx D C A B | Closed | xxxxxx | 2025-07-09 14:07 | 2025-07-09 14:08 | Waived | 3 - Material C | Compliance | TRID | Missing Full Appraisal due to HPML status | Waived-Originator exception granted to allow Exterior-only inspection for HPML loan. Finding remains material (Grade C) due to HPML requires a full appraisal for securitization. Statute of limitations-3 year - Expires xxxxxx. - Due Diligence Vendor-07/09/2025 <br> Open-Document Uploaded. Please see exception approval. - Due Diligence Vendor-07/09/2025 <br> Open-Transaction is an HPML loan and a full appraisal is required - Due Diligence Vendor-07/09/2025 |  | Waived-Originator exception granted to allow Exterior-only inspection for HPML loan. Finding remains material (Grade C) due to HPML requires a full appraisal for securitization. Statute of limitations-3 year - Expires xxxxxx. - Due Diligence Vendor-07/09/2025 | Verified employment history exceeds guidelines - Both borrowers have been at their present jobs over 20 years. <br>CLTV is less than guidelines maximum - Qualifying CLTV 68.59 is less than the guideline max of 80. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841164 | xxxxxx D C A B | Closed | xxxxxx | 2025-06-06 10:35 | 2025-06-30 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Fraud report confirms no HOA - Due Diligence Vendor-06/30/2025 <br> Open-No documentation to address any possible HOA for property xxxxxx. - Due Diligence Vendor-06/06/2025 |  | Resolved--Fraud report confirms no HOA - Due Diligence Vendor-06/30/2025 | Verified employment history exceeds guidelines - Both borrowers have been at their present jobs over 20 years. <br>CLTV is less than guidelines maximum - Qualifying CLTV 68.59 is less than the guideline max of 80. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841168 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841176 | xxxxxx C A | Closed | xxxxxx | 2025-07-16 07:58 | 2025-07-17 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated fraud reflecting high alerts clear. - Due Diligence Vendor-07/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts 2 high alerts in regards to the borrower not cleared - Due Diligence Vendor-07/16/2025 |  | Resolved-Received updated fraud reflecting high alerts clear. - Due Diligence Vendor-07/17/2025<br>| Months Reserves exceed minimum required - 4 month minimum reserve requirement, borrower has 8.06 documented<br>Qualifying FICO score is at least 20 points above minimum for program - 660 is minimum FICO, borrowers mid score is 749 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841177 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841183 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 15:00 | 2025-07-18 10:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received PUD Rider and Legal Description. - Due Diligence Vendor-07/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing PUD Rider and Legal Description. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received PUD Rider and Legal Description. - Due Diligence Vendor-07/18/2025 | Credit history exceeds minimum required - Borrower exceed tradeline requirements with 0 lates reported for mortgages. <br>Months Reserves exceed minimum required - 15 months reserves; 6 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841183 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 15:13 | 2025-07-17 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received documentation to support the borrower does not own the property. - Due Diligence Vendor-07/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud indicated undisclosed "xxxxxx" property, but is not on final 1003 and documents to confirm payment not in file. - Due Diligence Vendor-07/14/2025 |  | Resolved-Received documentation to support the borrower does not own the property. - Due Diligence Vendor-07/17/2025 | Credit history exceeds minimum required - Borrower exceed tradeline requirements with 0 lates reported for mortgages. <br>Months Reserves exceed minimum required - 15 months reserves; 6 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841183 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 15:57 | 2025-07-17 11:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing documentation. - Due Diligence Vendor-07/17/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing IRS payments and PITIA for xxxxxx - Due Diligence Vendor-07/14/2025 |  | Resolved-Received missing documentation. - Due Diligence Vendor-07/17/2025<br>| Credit history exceeds minimum required - Borrower exceed tradeline requirements with 0 lates reported for mortgages. <br>Months Reserves exceed minimum required - 15 months reserves; 6 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841183 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 16:58 | 2025-07-17 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA - Due Diligence Vendor-07/17/2025 <br> Open-File is missing Verification of PITIA for REO xxxxxx - Due Diligence Vendor-07/14/2025 |  | Resolved-Received PITIA - Due Diligence Vendor-07/17/2025<br>| Credit history exceeds minimum required - Borrower exceed tradeline requirements with 0 lates reported for mortgages. <br>Months Reserves exceed minimum required - 15 months reserves; 6 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841183 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 16:20 | 2025-07-17 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, the IRS debt was paid at close. Audited DTI of 49.88% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/17/2025 <br> Open-Audited DTI of 51.07% exceeds Guideline DTI of 50% Outstanding payments for IRS not included nor REO xxxxxx. - Due Diligence Vendor-07/14/2025 |  | Resolved-Upon further review, the IRS debt was paid at close. Audited DTI of 49.88% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/17/2025 | Credit history exceeds minimum required - Borrower exceed tradeline requirements with 0 lates reported for mortgages. <br>Months Reserves exceed minimum required - 15 months reserves; 6 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841187 | xxxxxx B A | Closed | xxxxxx | 2025-07-21 14:34 | 2025-07-22 12:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 minimum FICO Borrower has 772<br>Qualifying DTI below maximum allowed - 50% max DTI qualifying DTI 11.9% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841194 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841203 | xxxxxx B A | Closed | xxxxxx | 2025-07-09 09:04 | 2025-07-11 12:17 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.52% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-07/11/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.52% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. <br>- Due Diligence Vendor-07/09/2025 |  | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.52% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-07/11/2025 | Credit history exceeds minimum required - Credit history exceeds minimum required<br>Months Reserves exceed minimum required - Qualifying Total Reserves 12 months are higher than minimum required 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841207 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841208 | xxxxxx D A | Closed | xxxxxx | 2025-07-11 09:55 | 2025-07-18 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received new 1008, 1003 and bank statement worksheet. Large deposit removed. Upon further review, the amount of $1,142.83 appears to be business income. - Due Diligence Vendor-07/18/2025 <br> Open-1) Missing source of large deposit included in qualifying income for $65,880 on 12/31/24. 2) Missing letter of explanation for recurring deposits in a fixed monthly amount of $1,142.83 from the same individual on the borrower's business bank statements. Fixed and recurring dollar amounts are not consistent with the business profile and activity. Additional findings may apply. - Due Diligence Vendor-07/11/2025 |  | Resolved-Received new 1008, 1003 and bank statement worksheet. Large deposit removed. Upon further review, the amount of $1,142.83 appears to be business income. - Due Diligence Vendor-07/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 711; minimum required 680<br>Qualifying DTI below maximum allowed - Qualifying DTI 28.10%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841209 | xxxxxx C A | Closed | xxxxxx | 2025-07-09 18:38 | 2025-07-21 11:09 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx | Resolved-Received documentation to support the xxxxxx was paid at close. - Due Diligence Vendor-07/21/2025 <br> Counter-xxxxxx Purchase agreement provided. Please provide the the xxxxxx Transfer Documentation. - Due Diligence Vendor-07/14/2025 <br> Open-Missing xxxxxx transfer documentation and complete agreement. xxxxxx on title. Appraiser states xxxxxx is owned and property is still connected to public utility. Originator's 1003 shows a xxxxxx lease included in the DTI. xxxxxx must meet xxxxxx requirements. Additional findings may apply. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received documentation to support the xxxxxx was paid at close. - Due Diligence Vendor-07/21/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 35.47%; max 50%<br>Months Reserves exceed minimum required - Qualifying reserves 13 months; minimum required 4 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841215 | xxxxxx C A | Closed | xxxxxx | 2025-07-22 11:29 | 2025-07-22 14:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open------The disclosed disbursement date of xxxxxx is prior to the Cancel By date of xxxxxx on the Notice of Right to Cancel doc. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-07/22/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-07/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 700<br>LTV is less than guideline maximum - LTV = 64.52% - Max LTV = 80%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income is 2+ times minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841215 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 11:57 | 2025-07-16 18:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved--Income documentation provided to support difference in shift rates along with WVOE clarification. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-B1 - Employer to (1) address discrepancy between borrower's hourly rate. The Verification of Employment shows $60.34 but paystubs show a higher rate at $77.45. (2) Confirm xxxxxx on paystubs is for PTO used and does not include PTO that was not taken but is paid back to the borrower (3) Additional findings may apply. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved--Income documentation provided to support difference in shift rates along with WVOE clarification. - Due Diligence Vendor-07/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 700<br>LTV is less than guideline maximum - LTV = 64.52% - Max LTV = 80%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income is 2+ times minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841215 | xxxxxx C A | Closed | xxxxxx | 2025-07-07 11:55 | 2025-07-11 10:32 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. ATTACHED IS THE INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Missing homeownership counseling organizations disclosure within three business days from application date of xxxxxx. - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. ATTACHED IS THE INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 700<br>LTV is less than guideline maximum - LTV = 64.52% - Max LTV = 80%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income is 2+ times minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841215 | xxxxxx C A | Closed | xxxxxx | 2025-07-07 11:55 | 2025-07-11 10:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. ATTACHED IS THE INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $10,504.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $10504 due to file missing initial LE within three days of application date of xxxxxx. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10504, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years; expiration date is xxxxxx. - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. ATTACHED IS THE INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 700<br>LTV is less than guideline maximum - LTV = 64.52% - Max LTV = 80%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income is 2+ times minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841215 | xxxxxx C A | Closed | xxxxxx | 2025-07-07 11:55 | 2025-07-11 10:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. ATTACHED IS INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,853.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----Ten (10%) tolerance fees increased by $2853 due to missing initial LE and SPL within three days of application date of xxxxxx. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2853, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years; expiration date is xxxxxx. - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. ATTACHED IS INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 700<br>LTV is less than guideline maximum - LTV = 64.52% - Max LTV = 80%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income is 2+ times minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841215 | xxxxxx C A | Closed | xxxxxx | 2025-07-07 11:55 | 2025-07-11 10:32 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. DUE TO SYSTEM GLITCH, ATTACHED IS THE INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Earliest LE in file is dated xxxxxx and not provided within three business days of the application date of xxxxxx. - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. DUE TO SYSTEM GLITCH, ATTACHED IS THE INITIAL 1003 DATED xxxxxx - Seller-07/10/2025 | Resolved-Received initial 1003 dated xxxxxx. - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 700<br>LTV is less than guideline maximum - LTV = 64.52% - Max LTV = 80%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income is 2+ times minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841249 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841257 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 11:36 | 2025-07-23 09:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/23/2025 <br> Counter-Mortgage with legal from Title provided. Please provide legal attached to the mortgage being sent for recording. - Due Diligence Vendor-07/21/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-07/14/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - > 9 months available vs. 6 months required<br>Qualifying DTI below maximum allowed - 29.22% vs. max DTI 45% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841257 | xxxxxx D B A | Closed | xxxxxx | 2025-07-17 08:50 | 2025-07-21 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-07/21/2025 <br> Open-Missing Evidence of Property Tax Missing tax calculation estimate - Due Diligence Vendor-07/17/2025 |  | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - > 9 months available vs. 6 months required<br>Qualifying DTI below maximum allowed - 29.22% vs. max DTI 45% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841257 | xxxxxx D B A | Closed | xxxxxx | 2025-07-17 11:08 | 2025-07-21 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Borrower 1 Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-07/21/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-07/17/2025 |  | Resolved-Received Borrower 1 Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - > 9 months available vs. 6 months required<br>Qualifying DTI below maximum allowed - 29.22% vs. max DTI 45% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841257 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 11:58 | 2025-07-14 11:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - > 9 months available vs. 6 months required<br>Qualifying DTI below maximum allowed - 29.22% vs. max DTI 45% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841259 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 13:46 | 2025-07-24 09:53 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. - Due Diligence Vendor-07/24/2025 <br> Open-Additional valuation product has not been provided. Missing secondary valuation to support appraised value - Due Diligence Vendor-07/16/2025 |  | Resolved-Received Desk Review. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - 31.84% DTI vs. max DTI of 50%<br>Months Reserves exceed minimum required - 25 months available vs. 6 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841272 | xxxxxx C B A | Closed | xxxxxx | 2025-07-10 18:39 | 2025-07-17 10:18 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP executed 6/3/2025. - Due Diligence Vendor-07/17/2025 <br> Open------Missing executed ITP and there are fee's on the Final CD paid outside of close.<br> - Due Diligence Vendor-07/10/2025 |  | Resolved-Received ITP executed 6/3/2025. - Due Diligence Vendor-07/17/2025 | Months Reserves exceed minimum required - 24 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 746 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841272 | xxxxxx C B A | Closed | xxxxxx | 2025-07-10 17:58 | 2025-07-11 13:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/10/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 746 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841284 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841301 | xxxxxx D A | Closed | xxxxxx | 2025-07-23 08:32 | 2025-07-31 09:48 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/31/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income finding on REO - Due Diligence Vendor-07/23/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/31/2025 | Months Reserves exceed minimum required - 10 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 774 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841301 | xxxxxx D A | Closed | xxxxxx | 2025-07-22 10:37 | 2025-07-31 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received confirmation no lease-only 1007 for offset of departing residence. - Due Diligence Vendor-07/31/2025 <br> Counter-Received 1007 for departing residence-missing lease, copy of security deposit and 1st months rent. - Due Diligence Vendor-07/28/2025 <br> Open-Missing Lease agmnt, Rent rcpts, 1007, etc for REO xxxxxx. 1003 shows $4,900 used for rental income. - Due Diligence Vendor-07/22/2025 |  | Resolved-Received confirmation no lease-only 1007 for offset of departing residence. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - 10 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 774 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841387 | xxxxxx C A | Closed | xxxxxx | 2025-07-24 18:32 | 2025-07-29 09:38 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection 1004d - Due Diligence Vendor-07/29/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing Appraisal Completion Report (1004D). - Due Diligence Vendor-07/24/2025 |  | Resolved-Received final inspection 1004d - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - 144.32mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 12.39%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841387 | xxxxxx C A | Closed | xxxxxx | 2025-07-23 15:26 | 2025-07-29 09:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved-Received ROR with corrected dates, finding resolved.<br> - Due Diligence Vendor-07/29/2025 <br> Open-Right to Cancel Transaction Date is 'xxxxxx' but the Disclosure Cancel Date entered is 'xxxxxx'. Please verify that the correct dates have been entered (Number of Business Days Difference is '1'). The Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-07/23/2025 |  | Resolved-Received ROR with corrected dates, finding resolved.<br> - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - 144.32mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 12.39%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841387 | xxxxxx C A | Closed | xxxxxx | 2025-07-23 15:56 | 2025-07-29 09:02 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($20,625.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($22,500.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $22,500.00 to $20,625.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,875.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 |  | Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-07/29/2025 | Months Reserves exceed minimum required - 144.32mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 12.39%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841534 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841614 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841615 | xxxxxx B A | Closed | xxxxxx | 2025-07-24 10:27 | 2025-07-28 13:54 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 6.83% is within allowable threshold of APOR of 8.195% + 1.75% or 9.945%. - Due Diligence Vendor-07/28/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.83% is within allowable threshold of APOR of 8.195% + 1.75% or 9.945%. - Due Diligence Vendor-07/24/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 6.83% is within allowable threshold of APOR of 8.195% + 1.75% or 9.945%. - Due Diligence Vendor-07/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 FICO, 660 required<br>Months Reserves exceed minimum required - 111 months reserves documented, 6 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841620 | xxxxxx D A | Closed | xxxxxx | 2025-07-17 18:58 | 2025-07-24 09:41 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-07/24/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Missing proof of sufficient Title Coverage. - Due Diligence Vendor-07/17/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrowers reserves 37.67 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 775 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841620 | xxxxxx D A | Closed | xxxxxx | 2025-07-17 19:10 | 2025-07-22 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Warrantability on page 211, no HOA condo questionnaire required. - Due Diligence Vendor-07/22/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing the Condo Questionnaire. - Due Diligence Vendor-07/17/2025 |  | Resolved-Warrantability on page 211, no HOA condo questionnaire required. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrowers reserves 37.67 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 775 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841654 | xxxxxx D A | Closed | xxxxxx | 2025-07-30 17:03 | 2025-08-01 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received confirmation no rental income considered on subject property-1007 not required. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-07/30/2025 |  | Resolved-Received confirmation no rental income considered on subject property-1007 not required. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 103.19 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 760. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841654 | xxxxxx D A | Closed | xxxxxx | 2025-07-30 17:03 | 2025-08-01 09:51 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/01/2025 <br> Open-CDA report is missing from loan file as CU and LCA scores are both higher than 2.5. - Due Diligence Vendor-07/30/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 103.19 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 760. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841791 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-15 13:33 | 2025-07-22 09:12 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD xxxxxx, copy of check, LOX and evidence of delivery. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Counter-Received COC and CD xxxxxx which are already in file. The COC does not disclose reason that the Recording Fees were added to CD xxxxxx. Finding remains. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($213.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $213 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $213, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is xxxxxx. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Cured-Received PCCD xxxxxx, copy of check, LOX and evidence of delivery. - Due Diligence Vendor-07/22/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc (7.1k)<br>Months Reserves exceed minimum required - 5.64 mths reserves; 3 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841791 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-17 11:52 | 2025-07-18 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Business searches provided. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-escalated - Seller-07/18/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE or CPA ltr dated within 10 days of closing - Due Diligence Vendor-07/17/2025 | Ready for Review-escalated - Seller-07/18/2025<br>| Resolved-Business searches provided. - Due Diligence Vendor-07/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc (7.1k)<br>Months Reserves exceed minimum required - 5.64 mths reserves; 3 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841825 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841866 | xxxxxx C A | Closed | xxxxxx | 2025-07-12 07:44 | 2025-07-23 09:53 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal confirming no health and safety issue. - Due Diligence Vendor-07/23/2025 <br> Open-Appraiser to clarify on appraisal photos there is xxxxxx pg. 173 for xxxxxx. - Due Diligence Vendor-07/12/2025 |  | Resolved-Received revised appraisal confirming no health and safety issue. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - 21.04 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 789 minimum score 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841866 | xxxxxx C A | Closed | xxxxxx | 2025-07-12 07:25 | 2025-07-21 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contains sufficient payment history. - Due Diligence Vendor-07/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- missing mortgage payment being made for current primary 4/1 mortgage payment being made. <br> credit report provided last activity was for xxxxxx and Mortgage statement provided is for 6/1/25. - Due Diligence Vendor-07/12/2025 |  | Resolved-Upon further review, the loan file contains sufficient payment history. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - 21.04 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 789 minimum score 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841922 | xxxxxx B A | Closed | xxxxxx | 2025-07-29 11:02 | 2025-07-31 16:35 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.77% is within allowable threshold of APOR of 7.89% + 1.75% or 9.64%. - Due Diligence Vendor-07/31/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.77% is within allowable threshold of APOR of 7.89% + 1.75% or 9.64%. - Due Diligence Vendor-07/29/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.77% is within allowable threshold of APOR of 7.89% + 1.75% or 9.64%. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 699 is more than 20 points higher than the guideline min of 660.<br>Credit history exceeds minimum required - Borrower has more than 3 active tradelines reporting for more than 12 months with no late payments. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842015 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842024 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842085 | xxxxxx B A | Closed | xxxxxx | 2025-07-25 09:22 | 2025-07-25 10:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025 | Long term residence - borrowers' has owned subject property as their primary residents since xxxxxx<br> LTV is less than guideline maximum - CLTV = 69.90% - Max LTV = 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842113 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 18:43 | 2025-07-23 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, the loan file supports the borrower does not currently own another property. - Due Diligence Vendor-07/23/2025 <br> Open-Missing information on the Investment Property that B1 owns with another person (per Declarations Section 5a.A) on the 1003 and the PITIA payment. Upon receipt additional conditions maybe required. - Due Diligence Vendor-07/14/2025 |  | Resolved-Upon further review, the loan file supports the borrower does not currently own another property. - Due Diligence Vendor-07/23/2025 | Qualifying DTI below maximum allowed - Max DTI 50% - Borrower's DTI 34%<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 40.18 mths in reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842116 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842117 | xxxxxx C A | Closed | xxxxxx | 2025-07-21 09:28 | 2025-07-23 11:31 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received sufficient documentation to exclude the debt. - Due Diligence Vendor-07/23/2025 <br> Open-For the xxxxxx auto loan paid by the business....Business debt in the borrower's name may be excluded form DTI when:<br> The P&L's show itemized interest sufficient to account for the account payments (CPA (or Enrolled Agent if license can be verified) Expense Letter notes that the expense ratio includes that portion of interest expense for the specific loan in question); and <br> The most recent 6 months canceled checks are drawn against the business account (or evident on <br> business bank statement checks or ACH transfers)<br> \*\*\*Missing verification from the CPA addressing that the expense ratio includes the portion of interest expense for the xxxxxx auto loan<br> \*\*\*Missing additional 3 months of payments to show the business has been making the payments to xxxxxx (have for xxxxxx only) - Due Diligence Vendor-07/21/2025 |  | Resolved-Received sufficient documentation to exclude the debt. - Due Diligence Vendor-07/23/2025 | Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 7.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 791. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842117 | xxxxxx C A | Closed | xxxxxx | 2025-07-15 16:49 | 2025-07-23 11:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received sufficient documentation to exclude the debt. - Due Diligence Vendor-07/23/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. xxxxxx makes payments to xxxxxx. Not fully documented. Borrower does not qualify w/payment. Finding added - Due Diligence Vendor-07/15/2025 |  | Resolved-Received sufficient documentation to exclude the debt. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 7.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 791. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842118 | xxxxxx B A | Closed | xxxxxx | 2025-07-11 16:28 | 2025-07-11 16:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/11/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 30%<br>Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 164.14 mths in reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842120 | xxxxxx C B A | Closed | xxxxxx | 2025-07-16 15:52 | 2025-07-23 10:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-07/23/2025 <br> Open-Property Title Issue Per Title, vested in xxxxxx, with no documentation provided to show ownership of this company. - Due Diligence Vendor-07/16/2025 |  | Resolved-Received Operating Agreement. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 754.<br>LTV is less than guideline maximum - Max LTV is 80%; qualifying LTV is 74.21%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842120 | xxxxxx C B A | Closed | xxxxxx | 2025-07-18 12:24 | 2025-07-18 12:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 9.5 month(s) are less than Guideline Required Reserves of 12 month(s) 12 months reserves required, borrower only has 9 months reserves. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/18/2025 |  | Waived-Audited Reserves of 9.5 month(s) are less than Guideline Required Reserves of 12 month(s) 12 months reserves required, borrower only has 9 months reserves. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 754.<br>LTV is less than guideline maximum - Max LTV is 80%; qualifying LTV is 74.21%. | 32 yr Business Owner<br> Excellent Mortgage History Since 12/21<br> Credit Score 34 points above minimum.<br> LTV 5% below maximum<br> DTI 9% below maximum | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 842350 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842371 | xxxxxx C B A | Closed | xxxxxx | 2025-07-22 08:14 | 2025-07-29 09:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves <4 months, applied to non material finding with comp factors - Due Diligence Vendor-07/29/2025 <br> Counter-Received PCCD-reserves remain short-finding remains. - Due Diligence Vendor-07/28/2025 <br> Open-Audited Reserves of 3.59 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-07/22/2025 |  | Waived-Client provided a waiver for reserves <4 months, applied to non material finding with comp factors - Due Diligence Vendor-07/29/2025 | Long term residence - Borrower has been long time residence over 15 yrs.<br>Qualifying DTI below maximum allowed - DTI 33.42% max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 792; minimum score 660. | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842377 | xxxxxx D A | Closed | xxxxxx | 2025-07-23 15:14 | 2025-08-01 08:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received Final 1003 ideclarations section. Finding resolved. - Due Diligence Vendor-08/01/2025 <br> Open-The Final 1003 is Incomplete -----Section 5. Declarations is blank. Please provide a complete Declarations Section. - Due Diligence Vendor-07/23/2025 |  | Resolved-Received Final 1003 ideclarations section. Finding resolved. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - 18.53mos reserves. Per guides, 4 reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 708 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842385 | xxxxxx D B A | Closed | xxxxxx | 2025-06-13 15:25 | 2025-06-18 15:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Originator provided a waiver utilize lease agreements only for rental income-no form 1007, applied to non material finding with comp factors - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded for 1007 request - Seller-06/17/2025 <br> Open-On a refinance, guides require appraisal market rent form 1007 when rental income is used from an ADU on a refinance. 1007 was not provided. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. PC exception uploaded for 1007 request - Seller-06/17/2025<br>| Waived-Originator provided a waiver utilize lease agreements only for rental income-no form 1007, applied to non material finding with comp factors - Due Diligence Vendor-06/18/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 36.24 is less than the guideline max of 43.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 709 is more than 20 points higher than the guideline min of 680. | LTV<10% below minimum<br> Ratios: <43%<br> Reserves<br> Long Term employment | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 842385 | xxxxxx D B A | Closed | xxxxxx | 2025-06-13 15:29 | 2025-06-18 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. UDN uploaded - Seller-06/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. UDN uploaded - Seller-06/17/2025<br>| Resolved-Received UDM - Due Diligence Vendor-06/18/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 36.24 is less than the guideline max of 43.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 709 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842385 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 19:52 | 2025-06-12 09:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.24 is less than the guideline max of 43.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 709 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 842390 | xxxxxx B A | Closed | xxxxxx | 2025-07-29 11:17 | 2025-07-29 11:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/29/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 808 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 60.53% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842449 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 09:52 | 2025-08-07 14:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Exception granted to allow for less reserves than required. Waiver applied to non-material finding. - Due Diligence Vendor-08/07/2025 <br> Open-Audited Reserves of 10.33 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-08/07/2025 |  | Waived--Exception granted to allow for less reserves than required. Waiver applied to non-material finding. - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 vs. min FICO of 680<br>Qualifying DTI below maximum allowed - < 24% DTI vs. max DTI of 50% | Credit score 30+ > than required<br> Residual income more than 1.5x required<br> DTI = 40%</TD | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842449 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 13:55 | 2025-07-24 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Worksheet. - Due Diligence Vendor-07/24/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Bank statements were used to determine income, missing the lender income worksheet. - Due Diligence Vendor-07/21/2025 |  | Resolved-Received Worksheet. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 vs. min FICO of 680<br>Qualifying DTI below maximum allowed - < 24% DTI vs. max DTI of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842530 | xxxxxx D A | Closed | xxxxxx | 2025-07-17 09:24 | 2025-07-23 09:56 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/23/2025 <br> Open-Additional valuation product has not been provided. The loan file is absent additional valuation - Due Diligence Vendor-07/17/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-07/23/2025<br>| LTV is less than guideline maximum - Guideline requirement 75% LTV, borrower's qualifying LYV 57.57%, which represent 17.43% less that guideline requirements<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO is 752, guideline requires minimum 660, which represents 92 points above minimum requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842593 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842821 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842931 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 16:47 | 2025-07-02 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. please see condo quest - Seller-06/30/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire. Condo warrantability to be determined upon receipt. Additional conditions may apply. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. please see condo quest - Seller-06/30/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below maximum allowed - DTI 42.78%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 692 score . Per guides, minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842932 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 11:49 | 2025-07-11 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing Appraisal | Resolved-Received all appraisals. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-07/09/2025 <br> Open-Missing Appraisal effective xxxxxx, value xxxxxx. Appraisal in file effective xxxxxx, value xxxxxx. Review valuation products in file reflect value of xxxxxx, effective xxxxxx completed by the same Appraiser. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Please find the attached. - Seller-07/09/2025<br>| Resolved-Received all appraisals. - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - Borr LTV 72.21%. Per guides, maximum LTV 80%.<br> Qualifying DTI below maximum allowed - 46.74% DTI is below xxxxxx of 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842932 | xxxxxx D B A | Closed | xxxxxx | 2025-07-08 18:38 | 2025-07-08 18:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/08/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/08/2025 | LTV is less than guideline maximum - Borr LTV 72.21%. Per guides, maximum LTV 80%.<br> Qualifying DTI below maximum allowed - 46.74% DTI is below xxxxxx of 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 842932 | xxxxxx D B A | Closed | xxxxxx | 2025-07-08 18:38 | 2025-07-08 18:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/08/2025<br>| LTV is less than guideline maximum - Borr LTV 72.21%. Per guides, maximum LTV 80%.<br> Qualifying DTI below maximum allowed - 46.74% DTI is below xxxxxx of 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 843022 | xxxxxx D A | Closed | xxxxxx | 2025-03-18 17:40 | 2025-07-16 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved--Final pages of HOA questionnaire provided reflecting no structural repairs are needed for subject unit and not health/safety issues. - Due Diligence Vendor-07/16/2025 <br> Counter-HOA reconfirms requirement to comply and has an inspection - please provide inspection. Subject is missing required milestone inspection as required by xxxxxx Senate Bill No. 326. Subject was built before xxxxxx, is of xxxxxx or more units and contains xxxxxx, for human occupancy/use - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Please see updated HOA cert. There is an extra page 4 in this attachment as compared to the old one. Please help to review and see if we can clear this condition. - Seller-05/14/2025 <br> Counter-Documentation provided is not for this finding. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. please see business phone number verification - Seller-03/19/2025 <br> Open-Subject is missing required milestone inspection as required by xxxxxx Senate Bill No. 326. Subject was built before xxxxxx, is of xxxxxx or more units and contains <br> xxxxxx - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. Please see updated HOA cert. There is an extra page 4 in this attachment as compared to the old one. Please help to review and see if we can clear this condition. - Seller-05/14/2025 <br>Ready for Review-Document Uploaded. please see business phone number verification - Seller-03/19/2025<br>| Resolved--Final pages of HOA questionnaire provided reflecting no structural repairs are needed for subject unit and not health/safety issues. - Due Diligence Vendor-07/16/2025<br>| LTV is less than guideline maximum - 70% LTV ratio, max LTV allowed is 75%. <br>Qualifying FICO score is at least 20 points above minimum for program - 783 qualifying FICO score, 700 minimum score |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843022 | xxxxxx D A | Closed | xxxxxx | 2025-03-18 17:28 | 2025-03-21 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received internet search and DBA verification. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. please see business phone number verifcation - Seller-03/19/2025 <br> Open-Business phone number verification via Google Search, 411.com or internet is missing - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. please see business phone number verifcation - Seller-03/19/2025<br>| Resolved-Received internet search and DBA verification. - Due Diligence Vendor-03/21/2025<br>| LTV is less than guideline maximum - 70% LTV ratio, max LTV allowed is 75%. <br>Qualifying FICO score is at least 20 points above minimum for program - 783 qualifying FICO score, 700 minimum score |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000010947 | xxxxxx D C A B | Closed | xxxxxx | 2025-04-16 15:06 | 2025-04-16 15:08 | Waived | 3 - Material C | Compliance | TRID | Higher-Priced Mortgage Loan and does not meet the HPML Flip Transaction requirement | Waived--Client exception granted and waiver applied to material finding. Statue of limitations expires in 1 year on xxxxxx. - Due Diligence Vendor-04/16/2025 <br> Open-Second full appraisal required to meet Reg Z disclosure requirements for HPML flip transactions. - Due Diligence Vendor-04/16/2025 |  | Waived--Client exception granted and waiver applied to material finding. Statue of limitations expires in 1 year on xxxxxx. - Due Diligence Vendor-04/16/2025 | Qualifying DTI below maximum allowed - 19.58%<45%<br>LTV is less than guideline maximum - 80<85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000010947 | xxxxxx D C A B | Closed | xxxxxx | 2024-12-03 09:39 | 2025-02-05 09:01 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report is not partially present. - Post Close Credit Report provided. - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. - Seller-12/06/2024 <br> Open-Borrower 1 Credit Report is Partially Present. Credit report incomplete-xxxxxx is frozen. New credit report required. Credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all bureaus unfrozen is required. Additional conditions may apply. - Due Diligence Vendor-12/03/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Borrower 1 Credit Report is not partially present. - Post Close Credit Report provided. - Due Diligence Vendor-12/10/2024<br>| Qualifying DTI below maximum allowed - 19.58%<45%<br>LTV is less than guideline maximum - 80<85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000010947 | xxxxxx D C A B | Closed | xxxxxx | 2024-12-03 09:59 | 2025-01-17 13:03 | Waived | 2 - Non-Material D B | Property | Missing Doc | Property 1: Missing Second Valuation Product | Waived--BPO obtained that is independent of origination appraisal and desk review that supports value. Waiver applied to finding as non-material as value is supported. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Please see BPO. xxxxxx. - Seller-01/17/2025 <br> Unable to Resolve-Unable to Resolve-xxxxxx is asking for a post close investor exception on this file for the 2nd appraisal. Home has upgraded elements on page 2 of 5 of the report. xxxxxx. - Due Diligence Vendor-12/24/2024 <br> Open-Missing second 1073 appraisal-subject property is a flip. Second appraisal must follow Reg Z disclosure requirements and be prior to loan consummation. - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. Please see BPO. xxxxxx. - Seller-01/17/2025 | Waived--BPO obtained that is independent of origination appraisal and desk review that supports value. Waiver applied to finding as non-material as value is supported. - Due Diligence Vendor-02/06/2025 | Qualifying DTI below maximum allowed - 19.58%<45%<br>LTV is less than guideline maximum - 80<85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000010947 | xxxxxx D C A B | Closed | xxxxxx | 2024-12-03 10:01 | 2024-12-12 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Email from client requesting to update to xxxxxx- Condo project questionnaire does not support 60% owner occupied concentration. Lender provided project approval yet project does not appear warrantable. Appraiser notes significant investor concentration and project supports short term rentals rather than owner occupancy. - Due Diligence Vendor-12/12/2024 <br> Open-Condo project questionnaire does not support 60% owner occupied concentration. Lender provided project approval yet project does not appear warrantable. Appraiser notes significant investor concentration and project supports short term rentals rather than owner occupancy. - Due Diligence Vendor-12/03/2024 |  | Resolved-Email from client requesting to update to xxxxxx- Condo project questionnaire does not support 60% owner occupied concentration. Lender provided project approval yet project does not appear warrantable. Appraiser notes significant investor concentration and project supports short term rentals rather than owner occupancy. - Due Diligence Vendor-12/12/2024 | Qualifying DTI below maximum allowed - 19.58%<45%<br>LTV is less than guideline maximum - 80<85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000010947 | xxxxxx D C A B | Closed | xxxxxx | 2024-12-03 16:06 | 2024-12-11 12:31 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Client emailed and asked to correct the property type as xxxxxx, system now reflects xxxxxx- condition resolved - Due Diligence Vendor-12/11/2024 <br> Counter-LOE from employer provided, however the Appraiser states it's an investment. Finding remains. - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. - Seller-12/06/2024 <br> Open-Occupancy does not appear to be primary residence:<br> - Appraiser comments on Pg 399 stating buyers are purchasing as an investment property <br> - xxxxxx to xxxxxx = 3hr 45min - goes to commute to work/job<br> - Subject is being sold xxxxxx<br> - Initial 1003 marked as will NOT occupy as primary<br> - Property is a flip - Due Diligence Vendor-12/03/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Client emailed and asked to correct the property type as xxxxxx, system now reflects xxxxxx- condition resolved - Due Diligence Vendor-12/11/2024 | Qualifying DTI below maximum allowed - 19.58%<45%<br>LTV is less than guideline maximum - 80<85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000010947 | xxxxxx D C A B | Closed | xxxxxx | 2024-12-03 16:28 | 2024-12-10 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Updated appraisal provided. - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. - Seller-12/06/2024 <br> Open-Appraiser did not provide commentary on personal property included in purchase contract-xxxxxx included. Missing commentary regarding value increase from recent acquisition of xxxxxx to sales price of xxxxxx. Additional conditions may apply. - Due Diligence Vendor-12/03/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Updated appraisal provided. - Due Diligence Vendor-12/10/2024 | Qualifying DTI below maximum allowed - 19.58%<45%<br>LTV is less than guideline maximum - 80<85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**clarifii rating agency grades summary report**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 817384 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 820169 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 824305 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 831104 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 831296 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 831612 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 831704 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 831960 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 832338 | xxxxxx | xxxxxx A | N/A C | N/A C | C | C | N/A C | N/A C | N/A | N/A | B | N/A B | N/A B |
| 833162 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 833459 | xxxxxx | xxxxxx A | N/A D | N/A D | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 833708 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 833801 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 833954 | xxxxxx | xxxxxx D | D A | A | D | D | D | D B | B A | A | A | A B | B |
| 833962 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 834140 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 834209 | xxxxxx | xxxxxx A | N/A | N/A | D | D | N/A D | N/A D | N/A | N/A | A | N/A B | N/A B |
| 834234 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 834340 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 835255 | xxxxxx | xxxxxx D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 835348 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 835352 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 835453 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D B | B A | A | A | A B | B |
| 835498 | xxxxxx | xxxxxx A | A | A | C | C | C | C A | A | A | A | A | A |
| 835635 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 835669 | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A | A |
| 835672 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 835700 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 835707 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B | A | A B | B |
| 835713 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 835803 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 835808 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 835851 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 836238 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 836404 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 836432 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 836488 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 836608 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 836659 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 836685 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 836697 | xxxxxx | xxxxxx D | N/A D B | N/A B | D | D | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 836784 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 836787 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 836818 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 836825 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 836871 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 836886 | xxxxxx | xxxxxx D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 836890 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 836900 | xxxxxx | xxxxxx C | N/A C B | N/A B | A | A | N/A C | N/A C | N/A B | N/A B | A | N/A B | N/A B |
| 836964 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B | A | A B | B |
| 836972 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 836979 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 836980 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 837014 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 837050 | xxxxxx | xxxxxx C | N/A C | N/A | D | D | N/A D | N/A D B | N/A B | N/A | A | N/A B | N/A B |
| 837063 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 837073 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 837080 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837132 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 837157 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 837190 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 837244 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | N/A B | N/A B |
| 837250 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837283 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 837284 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | N/A B | N/A B |
| 837356 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837364 | xxxxxx | xxxxxx A | N/A B | N/A B | D | D | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 837414 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837435 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 837443 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 837477 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 837489 | xxxxxx | xxxxxx D | D A | A | C | C | C D | D A | A | A | A | A | A |
| 837511 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837521 | xxxxxx | xxxxxx C | N/A C | N/A C | A | A | N/A C | N/A C B | N/A B | N/A | A | N/A B | N/A B |
| 837575 | xxxxxx | xxxxxx C | N/A C B | N/A B | A | A | N/A C | N/A C | N/A B | N/A B | A | N/A B | N/A B |
| 837576 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 837583 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 837595 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 837600 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | N/A B | N/A B |
| 837623 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 837645 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | N/A B | N/A B |
| 837680 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 837755 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837815 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 837817 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 837840 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837882 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837919 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 837929 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 837932 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 837967 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838008 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A | A |
| 838038 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838051 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838054 | xxxxxx | xxxxxx A | N/A C | N/A C | C | C | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 838062 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838073 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A B | N/A B | N/A | N/A | A | N/A | N/A |
| 838087 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838133 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 838149 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 838185 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838219 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838233 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838237 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 838251 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838255 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838275 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 838327 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838342 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838344 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838365 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838370 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838372 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 838388 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838392 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838394 | xxxxxx | xxxxxx C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 838399 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838404 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838409 | xxxxxx | xxxxxx A | N/A D | N/A D | D | D | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 838423 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838431 | xxxxxx | xxxxxx B | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | N/A B | N/A B |
| 838448 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838453 | xxxxxx | xxxxxx C | C A | A | D | D | D | D B | B A | A | A | A B | B |
| 838460 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838485 | xxxxxx | xxxxxx D | D C | C | C | C | C D | D A | A B | B | A | A B | B |
| 838487 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838494 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838518 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838529 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838549 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 838574 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838585 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838596 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838600 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838603 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C B | B | B | A | A B | B |
| 838609 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 838611 | xxxxxx | xxxxxx D | D A | A | D | D | D | D A | A | A | A | A | A |
| 838618 | xxxxxx | xxxxxx B | N/A B C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 838627 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838628 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838661 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838680 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838685 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B | A | A B | B |
| 838707 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838719 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838727 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 838728 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838729 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838757 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 838805 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838811 | xxxxxx | xxxxxx D | N/A D | N/A D | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 838815 | xxxxxx | xxxxxx A | N/A D | N/A D | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 838817 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838821 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838835 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B | A | A B | B |
| 838838 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838839 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 838840 | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A | A |
| 838843 | xxxxxx | xxxxxx D | D A | A | C | C | C D | D B | B A | A | A | A B | B |
| 838854 | xxxxxx | xxxxxx B | B A | A | A | A | A B | B A | A | A | A | A | A |
| 838934 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 838965 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B | A | A B | B |
| 839324 | xxxxxx | xxxxxx C | C A | A | D | D | D | D A | A | A | A | A | A |
| 839326 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839329 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839341 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 839350 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 839365 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | N/A B | N/A B |
| 839378 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839438 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 839441 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839452 | xxxxxx | xxxxxx B | B A | A | A | A | A B | B | B A | A | A | A B | B |
| 839453 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C B | B | B | A | A B | B |
| 839455 | xxxxxx | xxxxxx A | A | A | D | D | D | D A | A | A | A | A | A |
| 839463 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D B | B | B | A | A B | B |
| 839485 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 839491 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 839494 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839525 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839534 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839538 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 839557 | xxxxxx | xxxxxx C | C B | B | B | B | B C | C B | B | B | B | B | B |
| 839564 | xxxxxx | xxxxxx A | A D | D | A | A | A D | D A | A | A | A | A | A |
| 839570 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 839575 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 839583 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839584 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839585 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839589 | xxxxxx | xxxxxx C | N/A C D | N/A D | A | A | N/A D | N/A D B | N/A B | N/A | A | N/A B | N/A B |
| 839593 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839601 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 839609 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A | A |
| 839616 | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A | A |
| 839622 | xxxxxx | xxxxxx D | D A | A | C | C | C D | D A | A | A | A | A | A |
| 839681 | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A | A |
| 839683 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839700 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 839701 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839704 | xxxxxx | xxxxxx D | N/A D | N/A D | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 839708 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 839711 | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A | A |
| 839728 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839729 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839731 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839736 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839754 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839755 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 839761 | xxxxxx | xxxxxx B | B | B | A | A | A B | B | B | B | A | A B | B |
| 839777 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839790 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A | A |
| 839798 | xxxxxx | xxxxxx D | D A | A | D | D | D | D A | A | A | A | A | A |
| 839799 | xxxxxx | xxxxxx C | C A | A | D | D | D | D A | A | A | A | A | A |
| 839801 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A | A |
| 839802 | xxxxxx | xxxxxx A | N/A | N/A | D | D | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 839809 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 839821 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839823 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A B | B | A | A B | B |
| 839824 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839826 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839827 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 839835 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839838 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839839 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 839866 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 839875 | xxxxxx | xxxxxx C | C D | D | A | A | A D | D A | A | A | A | A | A |
| 839896 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 839898 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B | A | A B | B |
| 839902 | xxxxxx | xxxxxx C | C A | A | C | C | C | C A | A | A | B | B | B |
| 839933 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A | A | A | A | A |
| 839964 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840028 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840040 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B | A | A B | B |
| 840041 | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A | A |
| 840044 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840052 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A D | N/A D B | N/A B | N/A B | A | N/A B | N/A B |
| 840078 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 840142 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840159 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B | A | A B | B |
| 840164 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 840167 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840218 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840232 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 840240 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840244 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840248 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 840253 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840256 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 840257 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840278 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840285 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840292 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 840309 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 840331 | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A | A |
| 840363 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840374 | xxxxxx | xxxxxx C | C D | D | A | A | A D | D B | B A | A | A | A B | B |
| 840378 | xxxxxx | xxxxxx D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 840390 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A | A | A | A | A |
| 840392 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 840402 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840451 | xxxxxx | xxxxxx C | N/A C D | N/A D | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 840460 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840468 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840470 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840473 | xxxxxx | xxxxxx B | B A | A | A | A | A B | B | B A | A | A | A B | B |
| 840474 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840476 | xxxxxx | xxxxxx C | C A | A | D | D | D | D A | A | A | A | A B | A B |
| 840493 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840494 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840501 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840503 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840508 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840512 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840522 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 840523 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840526 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840529 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840531 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840533 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 840534 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 840535 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 840545 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 840552 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840599 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 840633 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840641 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 840645 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840648 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840652 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A | A | A | A | A |
| 840655 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840656 | xxxxxx | xxxxxx D | D | D | A | A | A D | D A | A B | B | A | A B | B |
| 840657 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B | A | A B | B |
| 840658 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 840660 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840671 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840680 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 840682 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840700 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A | A | A | A | A |
| 840706 | xxxxxx | xxxxxx B | N/A B | N/A | N/A | N/A | N/A C B | N/A C | N/A | N/A | N/A | N/A | N/A |
| 840707 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 840711 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840720 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840722 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840750 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840769 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 840788 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 840794 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 840821 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840870 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840881 | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B | A | A B | B |
| 840895 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840897 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A B | B | A | A B | B |
| 840899 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | N/A | N/A |
| 840901 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840906 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840932 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840936 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840942 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 840944 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A D | N/A D | N/A B | N/A B | A | N/A B | N/A B |
| 840976 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | N/A B | N/A B |
| 840977 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 840987 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 840989 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 840994 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841001 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841007 | xxxxxx | xxxxxx C | C A | A | D | D | D | D A | A | A | A | A | A |
| 841069 | xxxxxx | xxxxxx B | B A | A | A | A | A B | B | B A | A | A | A B | B |
| 841083 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841093 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 841122 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 841123 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 841133 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841153 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | N/A | N/A |
| 841161 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841164 | xxxxxx | xxxxxx D | N/A D C | N/A C | D | D | N/A D | N/A D | N/A C | N/A C | B | N/A B C | N/A C |
| 841168 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841176 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 841177 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841183 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 841187 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 841194 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841203 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A | A | A | A | A |
| 841207 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841208 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 841209 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 841215 | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A | A |
| 841249 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841257 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 841259 | xxxxxx | xxxxxx A | A | A | D | D | D | D A | A | A | A | A | A |
| 841272 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | N/A B | N/A B |
| 841284 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841301 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 841387 | xxxxxx | xxxxxx A | A C | C | C | C | C | C A | A | A | A | A | A |
| 841534 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841614 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841615 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A | A | A | A | A |
| 841620 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | N/A | N/A |
| 841654 | xxxxxx | xxxxxx D | D A | A | D | D | D | D A | A | A | A | A | A |
| 841791 | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A B | B | A | A B | B |
| 841825 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 841866 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 841922 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A | A | A | A | A |
| 842015 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 842024 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 842085 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | N/A B | N/A B |
| 842113 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 842116 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 842117 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A | A |
| 842118 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 842120 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 842350 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 842371 | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A | A B | B |
| 842377 | xxxxxx | xxxxxx A | A D | D | A | A | A D | D A | A | A | A | A | A |
| 842385 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D B | B | B | A | A B | B |
| 842390 | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B | A | A B | B |
| 842449 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A | A B | B |
| 842530 | xxxxxx | xxxxxx A | A | A | D | D | D | D A | A | A | A | A | A |
| 842593 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 842821 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 842931 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 842932 | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B | A | A B | B |
| 843022 | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A | A |
| 2000010947 | xxxxxx | xxxxxx C | C | C | D | D | D | D A | A C | C | B | B C | C |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**Clarifii data compare report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 837284 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 46.14 | -58.00 | Per assets in file |
| 837521 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 18.89 | 338.00 | Per checking and proceeds |
| 838585 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 120.69 | 220.00 | Audit verified assets |
| 2000010947 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 38.51 | 12 | See assets |
| 838585 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per Lender |
| 839838 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per 1008 |
| 839933 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Not DSCR, Primary. |
| 841161 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per email from client - Re-UW loan to xxxxxx matrix. keep original xxxxxx guides |
| 836784 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 836784 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 837576 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 837815 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 838087 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 838087 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 839485 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 839583 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 839583 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 840474 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per cd |
| 840508 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per CD |
| 840648 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per PCCD in file |
| 843022 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 843022 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 831612 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 831612 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840159 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840159 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840390 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840390 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840474 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840512 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840788 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840788 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 831704 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 716 | 717 | Pre Credit Report |
| 836697 | xxxxxx | xxxxxx | B1 Credit Report Date | creditLiabilitiesPage | 03-13-2025 | 03/14/2025 | Pre Credit Report |
| 836890 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 760 | 754 | Pre Credit Report |
| 838054 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 804 | 798 | Pre Credit Report |
| 838728 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 725 | 735 | Pre Credit Report |
| 839350 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 775 | 800 | Pre Credit Report |
| 839609 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 742 | 730 | Pre Credit Report |
| 839824 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 766 | 784 | Pre Credit Report |
| 839835 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 752 | 755 | Pre Credit Report |
| 839838 | xxxxxx | xxxxxx | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003 |
| 840078 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 811 | 803 | Pre Credit Report |
| 840142 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 790 | 796 | Pre Credit Report |
| 840707 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 724 | 719 | Pre Credit Report |
| 841176 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 749 | 755 | Pre Credit Report |
| 841177 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 715 | 712 | Pre Credit Report |
| 841301 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 766 | 765 | Pre Credit Report |
| 842385 | xxxxxx | xxxxxx | B1 Credit Report Date | creditLiabilitiesPage | 05-15-2025 | 03/29/2025 | Pre Credit Report |
| 2000010947 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 769 | 747 | Pre Credit Report |
| 833708 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.49 | 14.69 | auditor income came in lower then lender. |
| 835453 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.84 | 44.00 | Audit DTI w/in tolerance of lenders DTI per 1008 |
| 836818 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | per note |
| 836900 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.71 | 2.35 | Audit in line with the 1008. |
| 837283 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1 | 1.2504506992551 | Short term rents require 20% reduction |
| 837284 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Primary home not exempt |
| 837489 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.04 | 34.74 | Audit DTI similar to 1008, tape unknown |
| 837576 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.73 | 39.59 | Lender used wrong PI payment. |
| 837645 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.33 | 42.57 | Audit matches final 1008 |
| 838008 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.9 | 21.00 | Audit in line with the approval |
| 838054 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.88 | 4.34 | Audited DTI within tolerance of DTI from 1008 in file |
| 838133 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.23 | 40.51 | Audit DTI w/in tolerance of lenders DTI per 1008 |
| 838149 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.9 | 18.88 | Audit matches 1008 |
| 838365 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.05 | 25.73 | Audit UW DTI in line with lender final 1008 |
| 838372 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.89 | 47.11 | Audit in line with 1008 |
| 838388 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.85 | 41.03 | Lender duplicated car pmt |
| 838394 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.94 | 34.13 | audit income is less |
| 838399 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.94 | 26.53 | Audit matches 1008 |
| 838485 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.97 | 43.28 | Audit income lower than lender's income |
| 838719 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.87 | 44.99 | Audit within 2% of the 1008 |
| 838815 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.6 | 35.67 | Audit DTI in line with lender 1008. |
| 838817 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.12 | 46.65 | Audit DTI in line with lender 1008, tape source unknown. |
| 839365 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.87 | 37.66 | Lender did not include liability for xxxxxx. The 1008 does not include the SSI for B2. |
| 839534 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.56 | 9.30 | Variance due to REO owned |
| 839538 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.65 | 44.09 | Lender used wrong PI payment. |
| 839609 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.98 | 22.99 | Variance due to lender not including departing residence. |
| 839683 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.38 | 27.23 | Per 1008. |
| 839736 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.34 | 25.66 | Per 1008. |
| 839755 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.56 | 43.60 | Audit matches 1008 |
| 839790 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.43 | 39.58 | Audit Matches lenders 1008 approval I/O |
| 839821 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.8 | 7.42 | Audit in line with 1008 |
| 839824 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.81 | 29.53 | Audit matches 1008 |
| 839826 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.24 | 47.03 | due to REO |
| 839835 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.57 | 44.30 | Audit matches Lender's loan approval |
| 840142 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.76 | 39.69 | Audit DTI w/in tolerance of lenders DTI per 1008 |
| 840232 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.47 | 27.00 | audit matches 1008 |
| 840363 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.02 | 48.04 | Audit DTI in line with lender approval 1008. |
| 840378 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.67 | 27.79 | Variance due to income verified to be lower. |
| 840402 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.47 | 29.39 | True Data value DTI match w/ 1008 |
| 840468 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.775 | 1.817 | Audit used 1007. Lender used higher rental income per DSCR Calculation |
| 840526 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2861.27 | DSCR |
| 840534 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.44 | 20.54 | Variance due to Audit calculating lower income |
| 840645 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.15 | 21.35 | Audit matches 1008 |
| 840656 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.22 | 45.95 | Lender used a higher qualifying rate |
| 840700 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.29 | 19.00 | DTI in line with 1008 |
| 840711 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.05 | 43.12 | Audit is in line with the 1008 |
| 840720 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.07 | 41.08 | Audit in line with 1008 |
| 840769 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.16 | 37.67 | Audit matches approval. |
| 840899 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.25 | 9.46 | Lender used the PITI for the Principle/Interest portion of the 1st Mtg payment |
| 840989 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.39 | 38.50 | Audit calc higher expenses. |
| 841093 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.48 | 22.23 | true data audit DTI slightly differs due to audit income vs lender income |
| 841122 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.81 | 38.24 | Audit DTI in line with lender 1008 |
| 841183 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.88 | 47.42 | IRS payment not included or REO 3b |
| 841208 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.71 | 28.90 | Income was re-calculated post close. |
| 841215 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.17 | 49.226 | Audit Income lower than 1008 Income |
| 841259 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.84 | 29.04 | Audit DTI in line with lender 1008 |
| 841615 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.38 | 3.73 | True value in line with 1008 |
| 841922 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.58 | 38.39 | Audited DTI matches the 1008. |
| 842371 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.42 | 41.45 | Auditor DTI matches 1008. |
| 837600 | xxxxxx | xxxxxx | Total Qualifying Income | employmentIncomePage | 9231.31 | 9406.58 | Variance is due to Audit excluding OT in income |
| 837600 | xxxxxx | xxxxxx | Borrower 2 Qualifying Income | employmentIncomePage | 4853.33 | 5028.60 | Variance is due to Audit excluding OT in income |
| 841164 | xxxxxx | xxxxxx | Borrower 2 Qualifying Income | employmentIncomePage | 5994.66 | 6007.16 | Audited income matches income worksheet. |
| 841164 | xxxxxx | xxxxxx | Total Qualifying Income | employmentIncomePage | 12292.06 | 12304.56 | Lender used incorrect bonus figure for B2. |
| 839585 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 839585 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 839875 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 839896 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 839898 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840040 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840040 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840041 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840044 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840256 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840257 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840257 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840652 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840655 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840656 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840657 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840658 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 842931 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 842931 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 840470 | xxxxxx | xxxxxx | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per address and passport. |
| 817384 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 831104 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.875 | 0.0788 | Per Note |
| 831296 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 831296 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 831296 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 831960 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833459 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 833708 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 833954 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833954 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 833954 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834140 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 835255 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 835453 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.25 | 7.8750 | Per Note |
| 835498 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835851 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835851 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 836825 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 836964 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 836972 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.25 | 0.0825 | Per Note |
| 837014 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.875 | 0.0788 | Per Note |
| 837443 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 837583 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 837815 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837817 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 838008 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 838133 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838133 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 838185 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838404 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838487 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838611 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838661 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 838815 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838817 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 838835 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838835 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 839350 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 839350 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 8.0000 | Per Note |
| 839455 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 839494 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 839525 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 839525 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 839683 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 839704 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 839736 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 839790 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 839798 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 839799 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 839801 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 839835 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 840078 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 840232 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.5 | 8.3750 | Per Note |
| 840253 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 840285 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 840292 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 840402 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 840468 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840470 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840474 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840476 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840508 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840512 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840522 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840523 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840526 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840529 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840533 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840534 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840535 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840545 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840552 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840722 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 840821 | xxxxxx | xxxxxx | Margin | notePage | 3.75 | 2.000 | Per Note |
| 840870 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 840989 | xxxxxx | xxxxxx | Margin | notePage | 3.75 | 2.000 | Per Note |
| 840989 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 841007 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 841007 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 841093 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 841215 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per New Note signed |
| 841620 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 841654 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 841654 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 842449 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.125 | 8.2500 | Per Note |
| 842530 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 842530 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842530 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840706 | xxxxxx | xxxxxx | Monthly Hazard Insurance Premium | propertyInsurancePage | 527.08 | 0.00 | Per declarations page |
| 817384 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 9 | 5 | Per Appraisal |
| 833962 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 33.33 | 34.78 | Per Appraisal |
| 833962 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 33.33 | 34.78 | Per Appraisal |
| 835255 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835348 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 835352 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 835851 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 836608 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836685 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 836886 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 836972 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 836980 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837132 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Per Appraisal |
| 837511 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838038 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838062 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 838133 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 24.96 | 26.00 | Audit LTV matches lenders LTV per 1008 |
| 838133 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 52.64 | 53.68 | Audit CLTV matches lenders CLTV per 1008 |
| 838133 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 838185 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 838219 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| 838219 | xxxxxx | xxxxxx | Property Attachment Type | propertyValuationPage | Semi-Detached or End Unit | Attached | Per Appraisal |
| 838233 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 838344 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Title, appraisal |
| 838365 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 79.8 | 80.00 | Audit LTV in line with lender final 1008 |
| 838365 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.8 | 80.00 | Audit CLTV in line with lender final 1008 |
| 838372 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70.08 | 72.15 | Matches 1008 |
| 838372 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 22.29 | 22.94 | Matches 1008 |
| 838394 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 838399 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 838404 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 57.1 | 60.00 | Loan Amount/Sales Price. |
| 838404 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 57.1 | 60.00 | Loan Amount/Sales Price. |
| 838423 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 838453 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 4 | Per Appraisal |
| 838460 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838487 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 54.85 | 53.03 | Loan Amount/Appraised Value |
| 838487 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 54.85 | 53.03 | Loan Amount/Appraised Value |
| 838611 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65 | 70.00 | Loan Amount/Appraised Value. Matches approval file. |
| 838611 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 65 | 70.00 | Loan Amount/Appraised Value. Matches approval in file. |
| 838618 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal and mortgage rider |
| 838685 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 838757 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838811 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838835 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per final CD in file/ Sales contract |
| 838838 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 838839 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 838840 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal. |
| 839324 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 67.81 | 68.75 | Per appraisal vs loan amount - matches 1008 |
| 839341 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 839494 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 839564 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 839593 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 839616 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839700 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 839704 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 20.36 | 18.93 | Per 1008 |
| 839704 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 53.63 | 52.46 | First lien + Second lien/appraisal value |
| 839711 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | From sales contract |
| 839729 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 839777 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and Title |
| 839790 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65 | 61.22 | Per 1008 matches lenders approval |
| 839790 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 65 | 61.22 | Per 1008 matches lenders approval |
| 839798 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839801 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per final CD |
| 839809 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 839824 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and appraisal |
| 839838 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Unknown | Per Appraisal |
| 840052 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal review doc. |
| 840232 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 58.04 | 59.01 | audit matches 1008 |
| 840244 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | per appraisal report |
| 840244 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| 840248 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | per appraisal |
| 840248 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 840253 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | per appraisal |
| 840253 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 840278 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 840285 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT |
| 840292 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT and 1008 in file |
| 840292 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per final cd |
| 840309 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 840331 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 840363 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 840470 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 60.24 | 59.39 | Lower of 2 appraised value. |
| 840470 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 60.24 | 59.39 | Lower of 2 appraised value. |
| 840470 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal, tape used higher of 2 appraisals. |
| 840474 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 840476 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Value taken from appraisal report |
| 840512 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 4-unit per appraisal report |
| 840529 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per UW Attestation |
| 840599 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| 840682 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and DOT |
| 840700 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal / DOT |
| 840722 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 76.34 | Per 1008 pp/value |
| 840722 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 76.34 | Per 1008 pp/value |
| 840769 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 840870 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 840895 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per Appraisal |
| 840901 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 840906 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 840936 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal. |
| 840944 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 13.33 | 13.16 | Per Appraisal & 1008 |
| 840944 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 33.58 | 33.14 | Per Appraisal & 1008 |
| 840944 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 840989 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per 1008 and CD. |
| 841093 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 841133 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Title and Appraisal |
| 841183 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and Appraisal |
| 841215 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | SFR | Per appraisal |
| 842350 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Title and Appraisal |
| 2000010947 | xxxxxx | xxxxxx | Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 2000010947 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Single Family | Per Appraisal |
| 838392 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 838423 | xxxxxx | xxxxxx | Borrower 2 SSN | the1003Page | xxxxxx | xxxxxx | Foreign National. |
| 838549 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Foreign National. |
| 838815 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per final 1003 and credit report |
| 839838 | xxxxxx | xxxxxx | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 7.25 | 3 | Per final 1003 |
| 840232 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 840451 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final CD and 1008 |
| 840788 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 840821 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | per Final CD |
| 840706 | xxxxxx | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | Per tax cert |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**clarifii atr qm report**

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| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 817384 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 820169 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 824305 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5900 | 10.065 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4494.98 | Yes | Employed |  | No |  | No |  |
| 831104 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 831296 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 831612 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 831704 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 831960 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 832338 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2995 | 9.399 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4728.73 | Yes | Employed | Retired | No | No | No |  |
| 833162 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 833459 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 17299 | 8.253 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7503.89 | Yes | Employed |  | No |  | No |  |
| 833708 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 65377.71 | N/A | Employed |  | No |  | Yes | Present |
| 833801 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 833954 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 833962 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 834140 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 834209 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6923.5 | 9.999 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6806.84 | Yes | Employed |  | No |  | No |  |
| 834234 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 834340 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 835255 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3457.5 | 9.183 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7175.55 | Yes | Employed |  | No |  | No |  |
| 835348 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 835352 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 835453 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 8923.11 | 9.036 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3985.48 | Yes | Employed |  | No |  | No |  |
| 835498 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 835635 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 835669 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11350 | 7.454 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11510.71 | Yes | Employed |  | No |  | No |  |
| 835672 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 835700 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 835707 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21795 | 8.123 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33427.64 | Yes | Employed |  | No |  | No |  |
| 835713 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 835803 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 835808 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 835851 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 836238 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 836404 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 836432 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 836488 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836608 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10535.27 | 9.277 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 28011.86 | Yes | Employed |  | No |  | No |  |
| 836659 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 836685 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10769.42 | N/A | Employed |  | No |  | Yes | Present |
| 836697 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8185 | 8.504 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21970.32 | Yes | Employed |  | No |  | No |  |
| 836784 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836787 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836818 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 836825 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 836871 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836886 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5025.5 | 10.06 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15630.07 | Yes | Employed |  | No |  | No |  |
| 836890 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836900 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2790 | 9.158 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 203471.49 | Yes | Employed |  | No |  | No |  |
| 836964 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14281.5 | 8.58 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 57816.9 | Yes | Employed | Employed | No | No | No |  |
| 836972 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 836979 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 836980 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 837014 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 837050 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4390 | 10.36 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8001.98 | Yes | Employed |  | No |  | No |  |
| 837063 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837073 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837080 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837132 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837157 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837190 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837244 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3206.8 | 9.516 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5760.51 | Yes | Retired | Employed | No | No | No |  |
| 837250 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837283 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 837284 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8749 | 8.705 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 758454.32 | Yes | Employed | Employed | No | No | No |  |
| 837356 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837364 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 9.625 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12726.99 | Yes | Employed | Employed | No | No | No |  |
| 837414 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 837435 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837443 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13026.65 | N/A | Employed |  | No |  | Yes | Present |
| 837477 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2850.25 | 9.663 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12586.56 | Yes | Employed | Not Employed | No | No | No |  |
| 837489 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3010 | 8.416 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 73279.93 | Yes | Employed |  | No |  | No |  |
| 837511 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 837521 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7255.25 | 8.286 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 48806.48 | Yes | Employed | Not Employed | No | No | No |  |
| 837575 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2818 | 9.817 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8577.2 | Yes | Employed | Retired | No | No | No |  |
| 837576 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10360.19 | N/A | Employed |  | No |  | Yes | Present |
| 837583 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837595 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6278.21 | Yes | Employed |  | No |  | Yes | Present |
| 837600 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3120 | 9.095 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4696.33 | Yes | Employed | Employed | No | No | No |  |
| 837623 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21726.93 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 75587.73 | Yes | Employed | Not Employed | No | No | No |  |
| 837645 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4394.4 | 8.774 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5808.6 | Yes | Employed |  | No |  | No |  |
| 837680 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9755 | 7.962 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4075.92 | Yes | Employed |  | No |  | No |  |
| 837755 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837815 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | Yes |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 837817 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1771.42 | 9.539 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 32307.71 | Yes | Employed |  | No |  | No |  |
| 837840 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837882 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837919 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837929 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4515 | 7.732 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7775.64 | Yes | Employed |  | No |  | No |  |
| 837932 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 837967 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 58806.15 | N/A | Employed |  | No |  | Yes | Present |
| 838008 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.56 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6165.9 | Yes | Employed | Not Employed | No | No | No |  |
| 838038 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18023 | 8.175 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14452.45 | Yes | Employed |  | No |  | No |  |
| 838051 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838054 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11800 | 8.575 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 223283.07 | Yes | Employed | Employed | No | No | No |  |
| 838062 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2835.6 | 8.29 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 43526.23 | Yes | Employed |  | No |  | No |  |
| 838073 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2270.2 | 9.296 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 1419.44 | Yes | Retired |  | No |  | No |  |
| 838087 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12988.11 | N/A | Employed |  | No |  | Yes | Present |
| 838133 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5077.47 | Yes | Employed |  | No |  | Yes | Present |
| 838149 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7039.49 | 9.031 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 39554.77 | Yes | Employed |  | No |  | No |  |
| 838185 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2585 | 9.2 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14324.22 | Yes | Employed |  | No |  | No |  |
| 838219 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838233 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838237 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838251 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838255 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838275 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838327 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3295 | 8.169 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16738.53 | Yes | Employed |  | No |  | No |  |
| 838342 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838344 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.83 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6106.97 | Yes | Not Employed | Not Employed | No | No | No |  |
| 838365 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10844.9 | Yes | Retired | Retired | No | No | No |  |
| 838370 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838372 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3845 | 8.526 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20207.39 | Yes | Employed |  | No |  | No |  |
| 838388 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4793.67 | 7.364 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7841.34 | Yes | Employed |  | No |  | No |  |
| 838392 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838394 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4350 | 10.051 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10775.14 | Yes | Employed | Not Employed | No | No | No |  |
| 838399 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7548.27 | 8.497 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12899.7 | Yes | Employed |  | No |  | No |  |
| 838404 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838409 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5185 | 8.928 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3804.06 | Yes | Retired |  | No |  | No |  |
| 838423 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 838431 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4257.08 | 9.425 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4377.46 | Yes | Employed |  | No |  | No |  |
| 838448 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838453 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838460 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838485 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10175 | 7.539 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14288.14 | Yes | Employed |  | No |  | No |  |
| 838487 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838494 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838518 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838529 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6845.68 | Yes | Employed | Employed | No | No | Yes | Present |
| 838549 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838574 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838585 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838596 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 838600 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 838603 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 8790.57 | 8.624 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4183.66 | Yes | Employed |  | No |  | No |  |
| 838609 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3524 | 8.193 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 1948.49 | Yes | Retired |  | No |  | No |  |
| 838611 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838618 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2912.5 | 9.948 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3508.01 | Yes | Employed |  | No |  | No |  |
| 838627 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838628 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838661 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838680 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5728.07 | 9.127 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19226.38 | Yes | Employed |  | No |  | No |  |
| 838685 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9320 | 7.551 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12174.18 | Yes | Employed |  | No |  | No |  |
| 838707 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838719 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2232.5 | 8.031 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6849.21 | Yes | Employed | Employed | No | No | No |  |
| 838727 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838728 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838729 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838757 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3249 | 9.008 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5511.1 | Yes | Employed | Retired | No | No | No |  |
| 838805 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 3774.44 | 9.313 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 112875.69 | Yes | Employed |  | No |  | No |  |
| 838811 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3595 | 8.942 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4633.74 | Yes | Employed |  | No |  | No |  |
| 838815 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1745 | 8.997 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6983.11 | Yes | Employed |  | No |  | No |  |
| 838817 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5496.6 | Yes | Employed | Employed | No | No | Yes | Present |
| 838821 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838835 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2077.89 | 8.83 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6643.73 | Yes | Not Employed | Employed | No | No | No |  |
| 838838 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838839 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8805 | 7.987 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11831.79 | Yes | Employed |  | No |  | No |  |
| 838840 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11798.03 | 7.763 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4837.38 | Yes | Employed |  | No |  | No |  |
| 838843 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20000 | 7.649 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33872.34 | Yes | Employed |  | No |  | No |  |
| 838854 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838934 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838965 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 19100.02 | 8.362 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13321.55 | Yes | Employed |  | No |  | No |  |
| 839324 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13612.5 | 7.978 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5794.29 | Yes | Employed |  | No |  | No |  |
| 839326 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 839329 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 24665 | 7.951 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7748.26 | Yes | Employed |  | No |  | No |  |
| 839341 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.647 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15369.62 | Yes | Employed | Employed | No | No | No |  |
| 839350 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11031.43 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6139.56 | Yes | Employed |  | No |  | No |  |
| 839365 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2629 | 9.264 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2937.96 | Yes | Employed | Retired | No | No | No |  |
| 839378 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839438 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10009.69 | 7.623 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24163.98 | Yes | Employed |  | No |  | No |  |
| 839441 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839452 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17885.4 | Yes | Employed |  | No |  | Yes | Present |
| 839453 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9787 | 8.29 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2679.76 | Yes | Retired |  | No |  | No |  |
| 839455 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 839463 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8340 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10437.9 | Yes | Employed |  | No |  | No |  |
| 839485 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30055.14 | Yes | Employed |  | No |  | Yes | Present |
| 839491 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3615.21 | N/A | Retired |  | No |  | Yes | Present |
| 839494 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839525 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839534 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 36262.78 | Yes | Employed |  | No |  | Yes | Present |
| 839538 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6624 | 8.363 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12184.2 | Yes | Employed |  | No |  | No |  |
| 839557 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 0 | 8.876 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9523 | Yes | Employed |  | No |  | No |  |
| 839564 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.857 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4881.6 | Yes | Employed | Employed | No | No | No |  |
| 839570 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2095 | 9.065 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 63867.05 | Yes | Employed |  | No |  | No |  |
| 839575 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6801.5 | 8.47 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7977.95 | Yes | Employed |  | No |  | No |  |
| 839583 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839584 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839585 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 16671.5 | 9.524 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12066.92 | Yes | Employed |  | No |  | No |  |
| 839589 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3950 | 9.587 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7861.96 | Yes | Employed |  | No |  | No |  |
| 839593 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839601 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12179.7 | 9.814 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10241.16 | Yes | Employed |  | No |  | No |  |
| 839609 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23675 | 8.768 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 42517.04 | Yes | Not Employed | Employed | No | No | No |  |
| 839616 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 10642.5 | 9.619 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20510.43 | Yes | Employed |  | No |  | No |  |
| 839622 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 25175 | 7.319 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16620.47 | Yes | Not Employed | Employed | No | No | No |  |
| 839681 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 8.743 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5103.97 | Yes | Not Employed | Not Employed | No | No | No |  |
| 839683 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 38629.89 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 839700 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 839701 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5861.81 | Yes | Employed |  | No |  | Yes | Present |
| 839704 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7407.5 | 8.492 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6105.22 | Yes | Employed |  | No |  | No |  |
| 839708 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3116.5 | 8.021 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3963.98 | Yes | Employed |  | No |  | No |  |
| 839711 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 8735.38 | 9.608 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9241.28 | Yes | Not Employed | Employed | No | No | No |  |
| 839728 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12871.25 | 8.095 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9978.74 | Yes | Employed |  | No |  | No |  |
| 839729 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839731 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839736 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2042 | 8.068 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 142937.41 | Yes | Employed |  | No |  | No |  |
| 839754 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15856.07 | Yes | Not Employed |  | No |  | No |  |
| 839755 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13345 | 7.799 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12124.26 | Yes | Employed |  | No |  | No |  |
| 839761 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 1895 | 8.283 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21793.1 | Yes | Employed |  | No |  | No |  |
| 839777 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7514 | 7.969 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15232.68 | Yes | Employed |  | No |  | No |  |
| 839790 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 18670 | 7.619 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 47895.64 | Yes | Employed |  | No |  | No |  |
| 839798 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839801 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2600 | 7.483 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7788.85 | Yes | Employed |  | No |  | No |  |
| 839802 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6542.48 | 10.502 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6799.34 | Yes | Employed | Employed | No | No | No |  |
| 839809 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2064.6 | 7.934 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18049.38 | Yes | Employed | Employed | No | No | No |  |
| 839821 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 227722.76 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 839823 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 18865 | 8.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8439.85 | Yes | Employed | Employed | No | No | No |  |
| 839824 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3364 | 7.632 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10907 | Yes | Employed |  | No |  | No |  |
| 839826 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.274 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11571.26 | Yes | Retired | Not Employed | No | No | No |  |
| 839827 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11445 | 7.061 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19500.63 | Yes | Employed |  | No |  | No |  |
| 839835 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26915 | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 23368.66 | Yes | Employed |  | No |  | No |  |
| 839838 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17145 | 9.045 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14689.09 | Yes | Employed |  | No |  | No |  |
| 839839 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10482.5 | 7.644 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5969.47 | Yes | Employed |  | No |  | No |  |
| 839866 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9220 | 7.453 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15454.25 | Yes | Employed |  | No |  | No |  |
| 839875 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 7495 | 8.168 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18603.63 | Yes | Employed |  | No |  | No |  |
| 839896 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6495 | 8.738 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20114.82 | Yes | Employed |  | No |  | No |  |
| 839898 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | Yes | No | No | Yes | No | No | No | No | No | 16495 | 8.27 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 47229.27 | Yes | Employed |  | No |  | No |  |
| 839902 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16175 | 7.282 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20490.76 | Yes | Employed | Not Employed | No | No | No |  |
| 839933 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 27197.96 | 7.606 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9267.74 | Yes | Employed |  | No |  | No |  |
| 839964 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840028 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5656.25 | 8.585 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12384.29 | Yes | Employed | Not Employed | No | No | No |  |
| 840040 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4767.5 | 8.086 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18937.69 | Yes | Employed | Not Employed | No | No | No |  |
| 840041 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15328.92 | 7.904 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17777.21 | Yes | Employed |  | No |  | No |  |
| 840044 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | No | No | No | No | No | No | 2490 | 8.43 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 40083.62 | Yes | Employed | Not Employed | No | No | No |  |
| 840052 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3500 | 10.274 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6062.04 | Yes | Employed |  | No |  | No |  |
| 840078 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12368.23 | N/A | Employed | Employed | No | No | Yes | Present |
| 840142 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17843.95 | Yes | Employed |  | No |  | Yes | Present |
| 840159 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6390 | 7.244 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10205.18 | Yes | Employed |  | No |  | No |  |
| 840164 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5159.4 | 8.882 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13878.66 | Yes | Employed | Retired | No | No | No |  |
| 840167 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840218 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 19767.8 | 8.821 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9714.99 | Yes | Employed |  | No |  | No |  |
| 840232 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10945 | 8.812 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9693.49 | Yes | Employed | Employed | No | No | No |  |
| 840240 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3930 | 7.571 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22369.64 | Yes | Employed |  | No |  | No |  |
| 840244 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 26080.97 | Yes | Employed |  | No |  | Yes | Present |
| 840248 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26360.4 | N/A | Employed |  | No |  | Yes | Present |
| 840253 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26468.98 | N/A | Employed |  | No |  | Yes | Present |
| 840256 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 9495 | 8.063 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25646.26 | Yes | Employed |  | No |  | No |  |
| 840257 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9888 | 7.837 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8186.49 | Yes | Employed |  | No |  | No |  |
| 840278 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 840285 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 9528.75 | 8.829 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 114653.26 | Yes | Employed |  | No |  | No |  |
| 840292 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1075 | 8.298 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 38194.16 | Yes | Employed |  | No |  | No |  |
| 840309 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3215.27 | 9.192 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14653.89 | Yes | Employed |  | No |  | No |  |
| 840331 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11862.28 | 7.866 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7740.75 | Yes | Employed |  | No |  | No |  |
| 840363 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.889 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 29275.62 | Yes | Employed |  | No |  | No |  |
| 840374 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14334 | 7.551 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24702.55 | Yes | Employed |  | No |  | No |  |
| 840378 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 16828.65 | 8.352 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25898.91 | Yes | Employed |  | No |  | No |  |
| 840390 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 2675 | 7.312 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11813.26 | Yes | Employed | Employed | No | No | No |  |
| 840392 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4035 | 10.877 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10971.53 | Yes | Employed |  | No |  | No |  |
| 840402 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 38479.09 | Yes | Employed |  | No |  | Yes | Present |
| 840451 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2815.2 | 8.743 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3690.23 | Yes | Employed | Retired | No | No | No |  |
| 840460 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840468 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840470 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 840473 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 840474 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840476 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7929.56 | 8.201 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3072.38 | Yes | Employed |  | No |  | No |  |
| 840493 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840494 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840501 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840503 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840508 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840512 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840522 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840523 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840526 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 840529 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17444.7 | Yes | Employed |  | No |  | Yes | Present |
| 840531 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 23246.9 | 9.603 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6774.39 | Yes | Not Employed |  | No |  | No |  |
| 840533 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840534 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13241.87 | 9.798 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10444.89 | Yes | Not Employed | Employed | No | No | No |  |
| 840535 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840545 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840552 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840599 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5381.96 | 8.055 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4762.98 | Yes | Employed | Employed | No | No | No |  |
| 840633 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 8.316 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18199.36 | Yes | Employed |  | No |  | No |  |
| 840641 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 365 | 8 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6429.38 | Yes | Retired |  | No |  | No |  |
| 840645 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6295 | 7.622 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 34977.95 | Yes | Employed |  | No |  | No |  |
| 840648 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22045.43 | N/A | Employed |  | No |  | Yes | Present |
| 840652 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8415 | 8.219 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4492.19 | Yes | Employed |  | No |  | No |  |
| 840655 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8895 | 8.981 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5871.43 | Yes | Employed |  | No |  | No |  |
| 840656 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 21495 | 7.903 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24040.33 | Yes | Employed |  | No |  | No |  |
| 840657 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 14245 | 7.901 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24107.57 | Yes | Employed |  | No |  | No |  |
| 840658 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 32195 | 7.649 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 69228.9 | Yes | Employed |  | No |  | No |  |
| 840660 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7145 | 7.483 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5795.14 | Yes | Employed |  | No |  | No |  |
| 840671 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12429.5 | 7.584 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5042.02 | Yes | Employed |  | No |  | No |  |
| 840680 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2250 | 8.01 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22126.3 | Yes | Employed | Employed | No | No | No |  |
| 840682 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4240 | 7.959 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14869.37 | Yes | Employed | Employed | No | No | No |  |
| 840700 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10780 | 7.802 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25453.39 | Yes | Employed |  | No |  | No |  |
| 840706 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3268.17 | N/A | Retired |  | No |  | Yes | Present |
| 840707 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15479.94 | Yes | Employed | Employed | No | No | Yes | Present |
| 840711 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.702 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15595.37 | Yes | Employed |  | No |  | No |  |
| 840720 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2865 | 7.734 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8225.2 | Yes | Employed |  | No |  | No |  |
| 840722 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10599.83 | Yes | Employed |  | No |  | No |  |
| 840750 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7112.35 | 7.87 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6280.92 | Yes | Employed |  | No |  | No |  |
| 840769 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17897.11 | 7.251 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12321.47 | Yes | Employed |  | No |  | No |  |
| 840788 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2590 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20719.64 | Yes | Employed |  | No |  | No |  |
| 840794 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15415.56 | 7.693 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8129.79 | Yes | Employed |  | No |  | No |  |
| 840821 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13405.43 | 7.522 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 142467.32 | Yes | Employed |  | No |  | No |  |
| 840870 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6080 | 8.235 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4389.16 | Yes | Employed |  | No |  | No |  |
| 840881 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15223.44 | 7.218 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16274.12 | Yes | Employed |  | No |  | No |  |
| 840895 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1695 | 7.392 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 61812.02 | Yes | Employed |  | No |  | No |  |
| 840897 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22740 | 8.242 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 202617.02 | Yes | Employed |  | No |  | No |  |
| 840899 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4595 | 9.106 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20635.83 | Yes | Employed |  | No |  | No |  |
| 840901 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | Yes | 24315.8 | 7.334 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17188.99 | Yes | Employed |  | No |  | No |  |
| 840906 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5150 | 7.7 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13876.52 | Yes | Employed |  | No |  | No |  |
| 840932 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.277 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8157.47 | Yes | Retired |  | No |  | No |  |
| 840936 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 13800.74 | 8.361 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5749.18 | Yes | Employed |  | No |  | No |  |
| 840942 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840944 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8795 | 8.59 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 382227.95 | Yes | Employed |  | No |  | No |  |
| 840976 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3595 | 11.338 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17103.89 | Yes | Employed |  | No |  | No |  |
| 840977 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21036.43 | Yes | Not Employed | Not Employed | No | No | No |  |
| 840987 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 10665 | 8.777 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6694.74 | Yes | Employed |  | No |  | No |  |
| 840989 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 8.523 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 43934.75 | Yes | Employed | Employed | No | No | No |  |
| 840994 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6815 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25870.41 | Yes | Employed | Employed | No | No | No |  |
| 841001 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10353 | 7.617 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14956.12 | Yes | Employed |  | No |  | No |  |
| 841007 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841069 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3675 | 7.455 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10438.46 | Yes | Retired | Retired | No | No | No |  |
| 841083 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3413.95 | 7.454 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9432.63 | Yes | Employed |  | No |  | No |  |
| 841093 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14718.69 | 7.578 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16090.77 | Yes | Employed |  | No |  | No |  |
| 841122 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 50525.79 | N/A | Employed |  | No |  | Yes | Present |
| 841123 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4315 | 7.577 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9099.78 | Yes | Employed |  | No |  | No |  |
| 841133 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.751 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6924.41 | Yes | Employed |  | No |  | No |  |
| 841153 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 6340 | 10.635 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7459.05 | Yes | Employed |  | No |  | No |  |
| 841161 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 841164 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2499 | 10.64 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6372.15 | Yes | Employed | Employed | No | No | No |  |
| 841168 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841176 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7810 | 7.742 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7780.13 | Yes | Employed |  | No |  | No |  |
| 841177 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.418 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8567.3 | Yes | Retired | Retired | No | No | No |  |
| 841183 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20375 | 8.656 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11594.54 | Yes | Employed |  | No |  | No |  |
| 841187 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 13250 | 8.546 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 105939.8 | Yes | Employed |  | No |  | No |  |
| 841194 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4752.5 | 7.519 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9695.57 | Yes | Employed |  | No |  | No |  |
| 841203 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 24358.25 | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9341.56 | Yes | Employed |  | No |  | No |  |
| 841207 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13309.55 | Yes | Employed | Employed | No | No | No |  |
| 841208 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 8.201 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14567.56 | Yes | Employed |  | No |  | No |  |
| 841209 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19108 | 8.086 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22507.02 | Yes | Employed |  | No |  | No |  |
| 841215 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9940 | 8.074 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7060.77 | Yes | Employed |  | No |  | No |  |
| 841249 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841257 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4775 | 9.65 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8420.09 | Yes | Employed |  | No |  | No |  |
| 841259 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8285.85 | Yes | Employed |  | No |  | Yes | Present |
| 841272 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3328.9 | 10 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7955.95 | Yes | Employed |  | No |  | No |  |
| 841284 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.593 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11851.6 | Yes | Employed |  | No |  | No |  |
| 841301 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 8.28 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27852.7 | Yes | Employed | Employed | No | No | No |  |
| 841387 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16550 | 7.506 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 88233.88 | Yes | Employed |  | No |  | No |  |
| 841534 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841614 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6863.5 | 7.541 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7729.24 | Yes | Employed |  | No |  | No |  |
| 841615 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 40053.13 | 8.195 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 49311.62 | Yes | Employed |  | No |  | No |  |
| 841620 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4452.5 | 8.934 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8576.64 | Yes | Employed | Employed | No | No | No |  |
| 841654 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18614.67 | N/A | Employed |  | No |  | Yes | Present |
| 841791 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 13302.75 | 9.427 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5173.17 | Yes | Employed |  | No |  | No |  |
| 841825 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1432 | 9.528 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2230.81 | Yes | Not Employed | Employed | No | No | No |  |
| 841866 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15070 | 7.537 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15629.45 | Yes | Employed |  | No |  | No |  |
| 841922 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21965 | 7.89 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14685.66 | Yes | Employed |  | No |  | No |  |
| 842015 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 19550 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16816.15 | Yes | Employed | Employed | No | No | No |  |
| 842024 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2420 | 7.703 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6166.63 | Yes | Employed |  | No |  | No |  |
| 842085 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3687.42 | 9.633 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11054.18 | Yes | Employed | Employed | No | No | No |  |
| 842113 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 31006 | 8.715 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13983.66 | Yes | Employed |  | No |  | No |  |
| 842116 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13538 | 7.924 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4992.28 | Yes | Employed | Employed | No | No | No |  |
| 842117 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9090 | 7.405 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11503.9 | Yes | Employed |  | No |  | No |  |
| 842118 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17424.62 | Yes | Employed |  | No |  | No |  |
| 842120 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 143075.77 | N/A | Employed |  | No |  | Yes | Present |
| 842350 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6010 | 7.612 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 50979.79 | Yes | Retired | Employed | No | No | No |  |
| 842371 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5990 | 7.379 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20333.81 | Yes | Employed |  | No |  | No |  |
| 842377 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13345 | 7.519 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14574.55 | Yes | Employed |  | No |  | No |  |
| 842385 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12490 | 7.025 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8006.17 | Yes | Employed | Not Employed | No | No | No |  |
| 842390 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1645 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6816.68 | Yes | Not Employed | Not Employed | No | No | No |  |
| 842449 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 8.144 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44217.46 | Yes | Employed |  | No |  | No |  |
| 842530 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842593 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9412.27 | Yes | Employed |  | No |  | Yes | Present |
| 842821 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 58025 | 7.709 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 85715.98 | Yes | Employed | Not Employed | No | No | No |  |
| 842931 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6309 | 8.271 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5607.55 | Yes | Employed |  | No |  | No |  |
| 842932 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8495 | 7.891 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7443.47 | Yes | Employed |  | No |  | No |  |
| 843022 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30983.3 | N/A | Employed |  | No |  | Yes | Present |
| 2000010947 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2692 | 8.426 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6264.94 | Yes | Employed |  | No |  | No |  |

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## Exhibit 99.21

**EXHIBIT 99.21**

**Clarifii valuation report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 817384 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2024 | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0769 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0769 | xxxxxx | 08-23-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 820169 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-29-2024 | 1025 Small Residential Income Report | xxxxxx | 58.14 | 58.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-08-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 824305 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2024 | 1004 URAR | xxxxxx | 31.5 | 60.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-16-2024 |
| 831104 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-05-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 831296 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-13-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-16-2025 |
| 831612 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-25-2025 | Other | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0385 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0385 | xxxxxx | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831704 | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | MP | MP | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831960 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832338 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-26-2025 | 1004 URAR | xxxxxx | 7.7 | 52.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-04-2025 |
| 833162 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833459 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 26.04 | 44.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 04-02-2025 |
| 833708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-26-2025 |
| 833801 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 67.84 | 67.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-21-2025 | Not Eligible | 1 | 03-21-2025 |
| 833954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2025 | 2090 Individual Coop Report | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833962 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 33.33 | 33.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834140 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-25-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834209 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 7.79 | 66.04 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1003 | 50.0 | 0.5 | xxxxxx | xxxxxx | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834234 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-01-2025 | 1025 Small Residential Income Report | xxxxxx | 64.43 | 64.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834340 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 69.05 | 69.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835255 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 23.13 | 78.39 | xxxxxx | xxxxxx | .0074 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0074 | 96.0 | 0.04 | xxxxxx | xxxxxx | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 835348 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 835352 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-09-2025 |
| 835453 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-08-2025 |
| 835498 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-10-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835635 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-10-2025 |
| 835669 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 48.68 | 48.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 835672 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 27.97 | 27.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 | Eligible | 1 | 03-26-2025 |
| 835700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | 56.34 | 56.34 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 05-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 06-23-2025 |
| 835713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 04-07-2025 |
| 835803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 835808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 835851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-16-2025 |
| 836238 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-25-2025 | 1025 Small Residential Income Report | xxxxxx | 37.19 | 37.19 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836404 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 64.97 | 64.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836432 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-14-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-21-2025 |
| 836488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0200 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0200 | xxxxxx | Moderate | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836608 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 836659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 67.81 | 67.81 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-11-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-26-2025 | Eligible | 1 | 03-21-2025 |
| 836685 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 24.39 | 59.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 836697 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-24-2025 | AVM | xxxxxx | 25.77 | 62.66 | xxxxxx | xxxxxx | .2369 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .2369 |  | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836784 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-16-2025 |
| 836787 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 836818 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-03-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836871 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 63.33 | 63.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 |
| 836886 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-13-2025 | 1004 URAR | xxxxxx | 29.35 | 79.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 836890 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2025 | 1004 URAR | xxxxxx | 69.31 | 69.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-23-2025 |
| 836900 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-28-2025 | 1073 Individual Condo Report | xxxxxx | 18.79 | 42.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 04-30-2025 |
| 836964 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 |
| 836972 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-06-2025 |
| 836979 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 41.67 | 41.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-29-2025 |
| 836980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837014 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 837050 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 30.64 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 837063 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 64.29 | 64.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-30-2025 | Eligible | 1 | 04-30-2025 |
| 837073 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-25-2025 |
| 837080 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-04-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0318 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0318 | xxxxxx | Moderate | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837132 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-25-2025 | 1025 Small Residential Income Report | xxxxxx | 64.81 | 64.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1073 Individual Condo Report | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837190 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837244 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 16.82 | 62.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 837250 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-26-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 04-09-2025 | Eligible | 2 | 04-09-2025 |
| 837283 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-23-2025 |
| 837284 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 22.99 | 64.18 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 06-10-2025 |
| 837356 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837364 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-05-2025 | AVM | xxxxxx | 26.31 | 72.44 | xxxxxx | xxxxxx | .0436 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0436 | 91.0 | 0.09 | xxxxxx | Other | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837414 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 40.92 | 40.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-05-2025 | Eligible | 1 | 05-05-2025 |
| 837435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 52.94 | 52.94 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 03-29-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837443 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-20-2025 |
| 837477 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 11.54 | 51.79 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-15-2025 |
| 837489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-23-2025 |
| 837511 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-19-2025 |
| 837521 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 8.33 | 60.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-13-2025 |
| 837575 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 12.3 | 59.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 837576 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-11-2025 | 1073 Individual Condo Report | xxxxxx | 22.45 | 60.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 |
| 837583 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-29-2025 | 1025 Small Residential Income Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 |
| 837600 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-05-2025 | AVM | xxxxxx | 14.24 | 61.04 | xxxxxx | xxxxxx | -.0435 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0435 | 94.0 | 0.06 | xxxxxx | Other | 05-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0189 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0189 | 03-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-24-2025 |
| 837645 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 10.43 | 36.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 | Eligible |  |  |
| 837680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837755 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-05-2025 | 1025 Small Residential Income Report | xxxxxx | 69.05 | 69.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837815 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-29-2025 | Not Eligible |  |  |
| 837817 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 05-31-2025 |
| 837840 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 52.17 | 52.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 | Eligible |  |  |
| 837882 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 04-29-2025 |
| 837919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 837929 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 837932 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 64.68 | 64.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837967 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1073 Individual Condo Report | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 |
| 838008 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 05-28-2025 |
| 838038 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-01-2025 |
| 838051 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 21.47 | 21.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-20-2025 |
| 838054 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 20.83 | 47.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-30-2025 |
| 838062 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838073 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 17.05 | 43.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838087 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-12-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838133 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 24.96 | 52.64 | xxxxxx | xxxxxx | -.0298 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0298 | 92.0 | 0.08 | xxxxxx | xxxxxx | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 |
| 838149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-22-2025 | Not Eligible |  |  |
| 838185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-29-2025 |
| 838219 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838233 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 27.17 | 27.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 838237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838275 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-03-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 | Eligible |  |  |
| 838342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-30-2025 | Eligible | 1 | 04-30-2025 |
| 838344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 | Eligible | 1.1 | 05-16-2025 |
| 838365 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-26-2025 | 1004 URAR | xxxxxx | 79.8 | 79.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-28-2025 | Not Eligible |  |  |
| 838370 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838372 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-16-2025 | 1025 Small Residential Income Report | xxxxxx | 22.29 | 70.08 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838388 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 69.93 | 69.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-28-2025 |
| 838392 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 22.78 | 22.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838394 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 23.88 | 78.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-21-2025 |
| 838399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-03-2025 | Eligible | 1 | 06-03-2025 |
| 838404 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1073 Individual Condo Report | xxxxxx | 57.1 | 57.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838409 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-08-2025 | Broker Price Opinion (BPO) | xxxxxx | 12.63 | 64.74 | xxxxxx | xxxxxx | .1200 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1300 | 88.0 | 0.12 | xxxxxx | Other | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1200 | xxxxxx | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838423 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 |
| 838431 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 13.8 | 63.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 838448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 | Eligible | 1 | 05-12-2025 |
| 838453 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-26-2025 | Other | xxxxxx | 60.0 | 60.0 | xxxxxx | xxxxxx | .1111 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1111 | xxxxxx | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838460 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-24-2025 |
| 838485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1073 Individual Condo Report | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-29-2025 |
| 838487 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 54.85 | 54.85 | xxxxxx | xxxxxx | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0909 | xxxxxx | Moderate | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-22-2025 |
| 838529 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-06-2025 | Eligible | 1 | 06-06-2025 |
| 838549 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-20-2025 |
| 838574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-27-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 05-02-2025 |
| 838585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0287 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0287 | 96.0 | 0.04 | xxxxxx | xxxxxx | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
| 838596 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838600 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838603 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-21-2025 | Eligible | 1 | 04-21-2025 |
| 838609 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 15.03 | 37.51 | xxxxxx | xxxxxx | .0941 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0941 | 94.0 | 0.06 | xxxxxx | xxxxxx | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 838611 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-20-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838618 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 16.04 | 59.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-26-2025 |
| 838627 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-19-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0160 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 838628 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-09-2025 | Eligible | 1 | 05-09-2025 |
| 838661 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-27-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 | Eligible | 1 | 05-07-2025 |
| 838680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-27-2025 |
| 838685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 |
| 838707 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-04-2025 | 1073 Individual Condo Report | xxxxxx | 51.72 | 51.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 838719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-29-2025 | Eligible | 1 | 05-29-2025 |
| 838727 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-27-2025 | 1004 URAR | xxxxxx | 61.72 | 61.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 | Eligible | 1 | 05-07-2025 |
| 838728 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 68.04 | 68.04 | xxxxxx | xxxxxx | -.0080 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0080 | xxxxxx | Low | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838729 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 69.95 | 69.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-26-2025 |
| 838757 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 17.32 | 48.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 838805 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-18-2025 | Eligible |  |  |
| 838811 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 18.38 | 69.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838815 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 11.43 | 70.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 | Eligible | 1 | 06-05-2025 |
| 838817 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-16-2025 | Eligible | 1.4 | 06-16-2025 |
| 838821 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 46.98 | 46.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838835 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-05-2025 | Eligible | 2.1 | 06-05-2025 |
| 838838 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838839 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 838840 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-31-2025 | 1073 Individual Condo Report | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 | Eligible | 1.6 | 06-04-2025 |
| 838843 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0076 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0076 | 05-24-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838854 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838934 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 66.73 | 66.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838965 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 64.42 | 64.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-12-2025 |
| 839324 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 67.81 | 67.81 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 | Eligible | 1 | 07-09-2025 |
| 839326 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-04-2025 |
| 839329 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 59.62 | 59.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-20-2025 |
| 839341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0607 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0607 | 04-29-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 839350 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-10-2025 | Eligible | 1 | 06-10-2025 |
| 839365 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 17.14 | 63.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-28-2025 | Eligible | 2.2 | 05-28-2025 |
| 839441 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 54.17 | 54.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-29-2025 |
| 839452 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-04-2025 |
| 839455 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | 26.01 | 26.01 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 | Eligible |  |  |
| 839485 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-14-2025 | 1025 Small Residential Income Report | xxxxxx | 48.82 | 74.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839491 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-07-2025 | 1025 Small Residential Income Report | xxxxxx | 14.56 | 48.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839494 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 |
| 839525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-02-2025 |
| 839534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-17-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 05-07-2025 | Eligible | 1 | 05-07-2025 |
| 839538 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 28.67 | 57.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 | Eligible |  |  |
| 839557 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 73.42 | 73.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-03-2025 | Not Eligible | 1 | 06-03-2025 |
| 839570 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 25.0 | 57.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 05-23-2025 |
| 839575 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 11.9 | 40.19 | xxxxxx | xxxxxx | .2565 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .2565 | 91.0 | 0.09 | xxxxxx | xxxxxx | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-18-2025 |
| 839583 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 9.8 | 9.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 839584 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-06-2025 | 1025 Small Residential Income Report | xxxxxx | 62.3 | 62.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 839589 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 16.63 | 74.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-12-2025 |
| 839593 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 61.5 | 61.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-04-2025 | Eligible | 1.3 | 06-04-2025 |
| 839601 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 | Eligible | 1 | 06-13-2025 |
| 839609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-28-2025 |
| 839616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 06-06-2025 |
| 839622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-02-2025 | Not Eligible | 2 | 06-02-2025 |
| 839681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-10-2025 |
| 839683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-30-2025 | 1025 Small Residential Income Report | xxxxxx | 30.2 | 30.2 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839701 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-07-2025 |
| 839704 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 20.36 | 53.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-27-2025 |
| 839708 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 37.97 | 37.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 | Eligible | 1 | 06-23-2025 |
| 839711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-31-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-03-2025 | Not Eligible | 2.2 | 06-03-2025 |
| 839728 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 | Eligible | 1.6 | 05-19-2025 |
| 839729 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-08-2025 | 1025 Small Residential Income Report | xxxxxx | 50.72 | 50.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 62.99 | 62.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839736 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-18-2025 | Eligible | 2 | 06-18-2025 |
| 839754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 05-05-2025 |
| 839755 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-10-2025 |
| 839761 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0238 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0238 | 06-06-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 06-26-2025 |
| 839777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 89.0 | 89.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-30-2025 |  | 1 | 03-30-2025 |
| 839790 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-10-2025 | Not Eligible | 1 | 06-10-2025 |
| 839798 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0191 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0191 | xxxxxx | Moderate | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-04-2025 | Eligible | 1 | 06-04-2025 |
| 839802 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 21.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
| 839809 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-17-2025 |
| 839821 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 839824 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-08-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-11-2025 |
| 839826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 06-05-2025 | Not Eligible | 1.9 | 06-05-2025 |
| 839827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 06-06-2025 | Not Eligible | 1.7 | 06-06-2025 |
| 839835 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 | Eligible |  |  |
| 839838 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-18-2025 |
| 839839 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-01-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-02-2025 |
| 839866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-13-2025 |
| 839875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 839896 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-18-2025 |
| 839898 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-25-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-28-2025 |
| 839902 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-14-2025 | Eligible |  |  |
| 839933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 839964 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-10-2025 |
| 840028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-12-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 | Eligible | 1 | 06-16-2025 |
| 840040 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-03-2025 | Eligible |  |  |
| 840041 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 840044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 | Eligible |  |  |
| 840052 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-21-2025 | AVM | xxxxxx | 27.18 | 77.36 | xxxxxx | xxxxxx | -.0248 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0248 | 94.0 | 0.06 | xxxxxx | Other | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840078 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 18.4 | 41.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-15-2025 |
| 840142 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-06-2025 |
| 840159 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1025 Small Residential Income Report | xxxxxx | 62.81 | 62.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840164 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 11.84 | 25.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 840167 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840232 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 34.43 | 58.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 06-15-2025 |
| 840240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0097 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0097 | 93.0 | 0.07 | xxxxxx | xxxxxx | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |
| 840244 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840248 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840253 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840256 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 79.07 | 79.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 |
| 840257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-27-2025 |
| 840278 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-17-2025 | Not Eligible | 1 | 06-17-2025 |
| 840292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 | Eligible | 1 | 06-13-2025 |
| 840309 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 31.87 | 79.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2025 |
| 840331 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 840363 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-19-2025 | Eligible | 1 | 06-19-2025 |
| 840374 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-23-2025 | Eligible | 1 | 06-23-2025 |
| 840378 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 34.14 | 64.99 | xxxxxx | xxxxxx | -.0578 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0578 | 92.0 | 0.08 | xxxxxx | xxxxxx | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-11-2025 |
| 840390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 | Eligible |  |  |
| 840392 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-30-2025 | 1073 Individual Condo Report | xxxxxx | 22.62 | 74.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 |
| 840402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840451 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 16.35 | 63.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-12-2025 |
| 840460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | Other | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840468 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 64.02 | 64.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-28-2025 |
| 840470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 60.24 | 60.24 | xxxxxx | xxxxxx | .0153 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0153 | 05-01-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-10-2025 |
| 840473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-30-2025 | Eligible |  |  |
| 840474 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-13-2025 | 1025 Small Residential Income Report | xxxxxx | 52.53 | 52.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840476 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 22.4 | 22.4 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1154 | 96.0 | 0.04 | xxxxxx | xxxxxx | 05-12-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840493 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-13-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840494 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-11-2025 |
| 840501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840503 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840508 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-14-2025 |
| 840512 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | 74.5 | 74.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840522 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 27.59 | 27.59 | xxxxxx | xxxxxx | .0345 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0345 | 03-20-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 | Eligible | 1.2 | 05-20-2025 |
| 840526 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 | Eligible | 1 | 06-10-2025 |
| 840529 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-27-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-28-2025 |
| 840531 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0590 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0590 | 97.0 | 0.03 | xxxxxx | xxxxxx | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840533 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-21-2025 |
| 840534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-19-2025 | Eligible | 1.2 | 05-19-2025 |
| 840535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0701 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0701 | 92.0 | 0.08 | xxxxxx | xxxxxx | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-27-2025 |
| 840545 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840552 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-23-2025 | Eligible | 1 | 05-23-2025 |
| 840599 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-16-2025 | Eligible | 1.5 | 05-16-2025 |
| 840633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 06-19-2025 | Not Eligible |  |  |
| 840641 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 35.97 | 55.55 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 07-08-2025 |
| 840645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-14-2025 | 1004 URAR | xxxxxx | 74.07 | 74.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |  | 1 | 06-16-2025 |
| 840648 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 05-20-2025 |
| 840652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 840655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-11-2025 |
| 840656 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 73.53 | 73.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 |
| 840657 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-04-2025 |
| 840658 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 06-04-2025 |
| 840660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 71.88 | 71.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 | Eligible | 1 | 06-25-2025 |
| 840671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1073 Individual Condo Report | xxxxxx | 84.42 | 84.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 |
| 840680 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 9.09 | 53.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 840682 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 77.61 | 77.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-24-2025 | Eligible |  |  |
| 840700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 840706 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-02-2025 | 1025 Small Residential Income Report | xxxxxx | 10.77 | 29.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840707 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-19-2025 | 1025 Small Residential Income Report | xxxxxx | 12.0 | 41.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840711 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-18-2025 | 1073 Individual Condo Report | xxxxxx | 53.33 | 53.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 840720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 840722 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-16-2025 | Eligible | 1.2 | 06-16-2025 |
| 840750 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-14-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 | Eligible | 1 | 06-16-2025 |
| 840769 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-15-2025 |
| 840788 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 840821 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 54.88 | 54.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-25-2025 | Not Eligible | 2.4 | 03-28-2025 |
| 840870 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 63.65 | 63.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 840881 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-29-2025 | Eligible | 1.1 | 06-29-2025 |
| 840895 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 |
| 840897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840899 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 8.0 | 79.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 07-03-2025 | Not Eligible |  |  |
| 840901 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 48.53 | 48.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |
| 840932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 06-10-2025 |
| 840936 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-24-2025 | Eligible | 1 | 06-24-2025 |
| 840942 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-07-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-07-2025 |
| 840944 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 13.33 | 33.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840976 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 13.89 | 74.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 840977 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 07-01-2025 |
| 840987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 840989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | 89.9 | 89.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 06-28-2025 |
| 840994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | 56.97 | 56.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841001 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 841007 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-02-2025 | 2090 Individual Coop Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-24-2025 | 1073 Individual Condo Report | xxxxxx | 30.76 | 30.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-28-2025 |
| 841083 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-30-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 841093 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 841122 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-09-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 841123 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-13-2025 | 1073 Individual Condo Report | xxxxxx | 66.23 | 66.23 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |
| 841133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 45.12 | 45.12 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 841153 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 23.53 | 71.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-19-2025 |
| 841161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841164 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-28-2025 | 2055 Exterior Only Inspection Report | xxxxxx | 13.25 | 68.59 | xxxxxx | xxxxxx | -.0075 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0075 | 93.0 | 0.07 | xxxxxx | xxxxxx | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-17-2025 | Eligible | 2.4 | 06-17-2025 |
| 841176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-09-2025 | Eligible | 1 | 06-09-2025 |
| 841177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 | Eligible | 1 | 06-26-2025 |
| 841183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-16-2025 | Eligible | 1 | 06-16-2025 |
| 841187 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841194 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 | Eligible |  |  |
| 841203 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-02-2025 | Eligible | 1 | 06-02-2025 |
| 841207 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-28-2025 | Eligible | 1 | 06-28-2025 |
| 841208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-12-2025 |
| 841209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 | Eligible | 1.4 | 06-16-2025 |
| 841215 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841249 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 63.7 | 63.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-20-2025 |
| 841257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 | Eligible |  |  |
| 841259 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841272 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 16.12 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-10-2025 |
| 841284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
| 841301 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 89.94 | 89.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 |
| 841387 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | 70.59 | 70.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 841614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 | Eligible |  |  |
| 841615 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-27-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-01-2025 |
| 841620 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-24-2025 | 1073 Individual Condo Report | xxxxxx | 23.95 | 79.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 | Eligible | 1 | 06-24-2025 |
| 841654 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 68.57 | 68.57 | xxxxxx | xxxxxx | -.0663 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0663 | xxxxxx | Moderate | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 07-25-2025 | Not Eligible |  |  |
| 841791 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841825 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 65.22 | 65.22 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 05-14-2025 |
| 841866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-24-2025 |
| 841922 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-05-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-21-2025 | Eligible |  |  |
| 842015 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842024 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-09-2025 |
| 842085 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 10.1 | 60.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 842113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 49.21 | 49.21 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842120 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 74.21 | 74.21 | xxxxxx | xxxxxx | .0057 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0057 | 04-30-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842350 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 | Eligible |  |  |
| 842371 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0090 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0090 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842377 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 07-02-2025 | Not Eligible | 1 | 07-02-2025 |
| 842385 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 43.18 | 43.18 | xxxxxx | xxxxxx | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0909 | xxxxxx | Moderate | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 05-20-2025 |
| 842390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 60.53 | 60.53 | xxxxxx | xxxxxx | .0118 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-10-2025 | Eligible | 3.2 | 07-10-2025 |
| 842449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-27-2025 |
| 842530 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 57.57 | 57.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842593 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 842821 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | xxxxxx | -.2480 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.2480 | 06-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-24-2025 |
| 842931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
| 842932 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 72.21 | 72.21 | xxxxxx | xxxxxx | .0089 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0089 | 06-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0089 | xxxxxx | Moderate | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843022 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-21-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-23-2025 |
| 2000010947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2024 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0140 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2024 |  |  |  |  |  | xxxxxx | xxxxxx | .0140 | xxxxxx | 01-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**clarifii multi property Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** | **Completion Report (1004D) Date** |
| 831704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12/05/2024 | 1004 URAR | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 12-05-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible | 1 |  | 04-10-2025 |
| 831704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11/7/2024 | 1004 URAR | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible | 1 |  | 04-10-2025 |
| 831704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11/28/2024 | 1004 URAR | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 11-28-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible | 1 |  | 04-10-2025 |
| 831704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11/27/2024 | 1004 URAR | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 11-27-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible | 1 |  |  |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**selene diligence llc ("selene") due diligence review narrative**

![](tm2524220d1_ex99-23img01.jpg)

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between May 19, 2025 through August 19, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2025-8 securitization.

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 71 residential and 16 business purpose loans for a total of 87 loans (the "Final Securitization Population").

*<u>Credit Reviews (87):</u>*

During the Review, Selene performed a credit review on 87 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (87)</u>*

During the Review, Selene performed a compliance review, as applicable, on 87 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (87):</u>*

During the Review, Selene performed a property valuation review on 87 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (87):</u>*

During the Review, Selene performed a Data Integrity Review on 87 mortgage loans in the Final Securitization

Population.

*VERUS 2025-8 Executive Summary (Selene Diligence)*

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 87 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100.00% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, S&P Global Ratings and Kroll Bond Rating Agency, LLC. (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>LOAN GRADING</u>**

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

---

| | |
|:---|:---|
| *VERUS 2025-8 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, C, and D, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Re-calculated
LTV, CLTV, income, liabilities and compared these against the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analyzed asset statements to determine whether
funds to close and reserves were within the guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed
that credit scores (FICO) and credit histories were within the guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents and, as applicable, validation that the loans comply with state or federal compliance rules, such as the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;· **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

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**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

Please reference **Appendix D**, attached hereto, for additional information.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 87 mortgage loans, (ii) a Compliance Review, as applicable, on 87 mortgage loans (iii) a Valuation Review on 87 mortgage loans, and (iv) a Data Integrity Review on 87 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 87 mortgage loans; 53 mortgage loans had a rating grade of A and 34 mortgage loans had a rating grade of B.

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***Grades per loan (87 overall loans):***

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;13.79% | &nbsp;&nbsp;13.79% | &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;60.92% | &nbsp;&nbsp;60.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.75% | &nbsp;&nbsp;5.75% | &nbsp;&nbsp;B | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;39.08% | &nbsp;&nbsp;39.08% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;18.39% | &nbsp;&nbsp;18.39% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;54 | &nbsp;&nbsp;54 | &nbsp;&nbsp;62.07% | &nbsp;&nbsp;62.07% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;86 | &nbsp;&nbsp;87 | &nbsp;&nbsp;98.85% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;83 | &nbsp;&nbsp;83 | &nbsp;&nbsp;95.40% | &nbsp;&nbsp;95.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.15% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.60% | &nbsp;&nbsp;4.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;63.22% | &nbsp;&nbsp;63.22% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;32 | &nbsp;&nbsp;32 | &nbsp;&nbsp;36.78% | &nbsp;&nbsp;36.78% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |

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**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

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Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction.

All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

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

&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;8. ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;9. Third Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;10. Attestation Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the applicable residential loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
 contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

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

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

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

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

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

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

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**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

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&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

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**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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**APPENDIX D – DSCR SCOPE**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the guidelines

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

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## Exhibit 99.24

**EXHIBIT 99.24**

**selene rating agency grades detail report**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 836105 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-12 07:02 | 2025-08-12 07:03 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received the xxxxxx Foreign Interest Affidavit document. - Due Diligence Vendor-08/12/2025 <br> Ready for Review- - Due Diligence Vendor-08/12/2025 <br> Open-Loan does not conform to program guidelines Per GL if borrower is foreign nation and the property is in the state of xxxxxx. We required xxxxxx Foreign Interest Affidavit is required at closing for subject properties located in the state of xxxxxx Provide document it is missing in file. - Due Diligence Vendor-08/12/2025 | Document uploaded - 08/12/2025 <br>| Resolved-Received the xxxxxx Foreign Interest Affidavit document. - Due Diligence Vendor-08/12/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836105 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-13 00:48 | 2025-06-10 09:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow entities to sign the note - Due Diligence Vendor-05/13/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty - 06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Waived-Exception Approved - Due Diligence Vendor-05/29/2025<br>| 65% LTV - 75% maximum<br> 12.45 months reserves - 6 months required<br> Personal Guaranty in file | 65% LTV - 75% maximum<br> 12.45 months reserves - 6 months required<br> Personal Guaranty in file | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841723 | xxxxxx | C A | Closed | xxxxxx | 2025-05-02 04:53 | 2025-05-19 03:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Additional bank statement for xxxxxx account xxxxxx provided. Asset Record 2 Meets G/L Requirements. - Due Diligence Vendor-05/19/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide 1 additional bank statement for xxxxxx account xxxxxx. Received 1 Month but 2 months are needed per guidelines. February statement is missing for account xxxxxx. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Additional bank statement for xxxxxx account xxxxxx provided. Asset Record 2 Meets G/L Requirements. - Due Diligence Vendor-05/19/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2025 |  |  | xxxxxx - Bank Statement xxxxxx February.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841723 | xxxxxx | C A | Closed | xxxxxx | 2025-05-02 06:07 | 2025-05-07 04:20 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Resolved as We don't have any xxxxxx arrangements<br> - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Provided Affiliated Business Arrangement Disclosure. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Resolved as We don't have any xxxxxx arrangements<br> - Due Diligence Vendor-05/07/2025 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836119 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841725 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-13 12:22 | 2025-08-13 12:23 | Waived | 2 - Non-Material C B | Credit | Credit | Hazard insurance coverage amount is insufficient. | Waived-Waived - Exception Waived with compensating factors. - Due Diligence Vendor-08/13/2025 <br> Open-Unable to confirm Replacement Cost. Master Policy was flagged on xxxxxx CPM for inadequate buidling coverage and actual cash valuation rather than replacement cost. The agent states they cannot provide a valid RCE and the HOA does not have a current valuation. Instead, we obtained the last year's policy and reviewed the building limit which was at replacement cost and this last policy was reviewed and approved by xxxxxx in 2024 (project was xxxxxx approved then). The new policy is xxxxxx more in coverage which lowers the risk of the project being inadequately covered. - Due Diligence Vendor-08/13/2025 |  | Waived-Waived - Exception Waived with compensating factors. - Due Diligence Vendor-08/13/2025<br>| (1) Credit Score is 791. Minimum required per guidelines is 740. Required minimum 2 Comp Factor.<br> (2) The new policy is xxxxxx more in coverage which lowers the risk of the project being inadequately covered. | (1) Credit Score is 791. Minimum required per guidelines is 740. Required minimum 2 Comp Factor.<br> (2) The new policy is xxxxxx more in coverage which lowers the risk of the project being inadequately covered. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841725 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-09 11:27 | 2025-05-13 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.13 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/13/2025 <br> Resolved-Cashier's check located and added back to the balance of the xxxxxx checking account. Issue resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025 <br> Open-• Total assets verified are $43,563.05. Minus $49,061.02 cash to close, per the Final CD. This leaves $-5,647.97 in funds. There are also 6 months PITIA (6 x $1,664.62 = $9,987.72) needed for reserves. That leaves the loan a total of xxxxxx short in total assets needed. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025<br>| Resolved-Audited Reserves of 6.13 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/13/2025 <br> Resolved-Cashier's check located and added back to the balance of the xxxxxx checking account. Issue resolved. - Due Diligence Vendor-05/13/2025 |  |  | Asset WS.pdf<br> LOX From UW xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841725 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 05:59 | 2025-05-13 12:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025 <br> Open-• xxxxxx is showing as a High Cost loan. The file is missing a Rate Sheet or other evidence of the Undiscounted Rate and/or how the Discount Points were applied. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025<br>| Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 |  |  | LOX To investor xxxxxx.pdf<br> Fee details Wksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841725 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 04:58 | 2025-05-13 12:51 | Resolved | 1 - Information C A | Compliance | xxxxxx | HighCost: APR/FEES | Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025 <br> Open-The loan fees ($10,110.00) exceed the (FED2014) (Note Amount >=xxxxxx) fee limit, which is 5% of the Total Loan Amount (xxxxxx), the difference is ($658.65). (12 CFR 1026.32). • xxxxxx is showing as a High Cost loan. The file is missing a Rate Sheet or other evidence of the Undiscounted Rate and/or how the Discount Points were applied. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025<br>| Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 |  |  | LOX To investor xxxxxx.pdf<br> Fee details Wksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841725 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 04:58 | 2025-05-13 12:50 | Resolved | 1 - Information C A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025 <br> Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) • xxxxxx is showing as a High Cost loan. The file is missing a Rate Sheet or other evidence of the Undiscounted Rate and/or how the Discount Points were applied. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025<br>| Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 |  |  | Fee details Wksheet.pdf<br> LOX To investor xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841725 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 04:58 | 2025-05-13 12:50 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025 <br> Open-You submitted a late fee amount of ($65.69) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) • xxxxxx is showing as a High Cost loan. The file is missing a Rate Sheet or other evidence of the Undiscounted Rate and/or how the Discount Points were applied. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/13/2025<br>| Resolved-Undiscounted Rate received along with the breakdown of Bona Fide points vs Non Bona Fide points. System updated. xxxxxx passes as a non-High Cost. Issue resolved. - Due Diligence Vendor-05/13/2025 |  |  | LOX To investor xxxxxx.pdf<br> Fee details Wksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841721 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841696 | xxxxxx | C A | Closed | xxxxxx | 2025-05-19 09:53 | 2025-06-11 12:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Corrected UW comments with a corrected 1008 received. DTI now matches the audit's DTI. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-The issue is with the Personal Bank Account. It is the same account, yet it is being counted twice, once for each borrower: $7,935 for B1 and again at $7,935 for B2. It should only be counted once: either at the full amount for the primary primary, or half of it for B1 and the other half for B2. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-Initial 1003 income is $8,028.00 (B1) + $9,202.00 (B2) = $17,230.00. Audited Income is $15,808.36. Therefore, the audited income should be used, as it is lower.<br>12 Months Business Bank Statements:<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $314,931 x 70% expense factor = $94,479.30 / 12 months = $7,873.28. <br> 49% for B1 = $3,857.90. <br> 51% for B2 = $4,015.37. <br>12 Months Personal Bank Statements.<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $95,221 x 0% expense factor = $95,221 / 12 months = $7,935.08.<br> 50% for B1 = $3,967.54. <br> 50% for B2 = $3,967.54.<br>Therefore, B1 is $3,857.90 (business) + $3,967.54 (personal) = $7,825.44. This is less than the stated $8,028.00.<br> And B2 is $4,015.37 (business) + $3,967.54 (personal) = $7,982.91. This is less than the stated $9,202.00.<br>Business bank account was divided according to business ownership, or 49%/51%. Personal bank account was divided evenly in half for each borrower, or 50%/50%. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see the attached income calculators. There are a total of 4. When calculating income for this loan there were 12 months of personal income and 12 months of business income. At the time this loan was underwritten the max amount income used would be the stated income on the 1003. The 1003 income was lesser than the income calculated, so the 1003 stated income was used. - Seller-05/27/2025 <br> Open-DTI discrepancy due to an income calculation discrepancy. Both borrowers are self-employed in the same Partnership business: B#1 at 49% and B2 at 51% = 100% total ownership. <br>• Verified subject loan was qualified with 12 Months Business Bank Statements.<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $314,931 x 70% expense factor = $94,479.30 / 12 months = $7,873.28. <br> 49% for B1 = $3,857.90. <br> 51% for B2 = $4,015.37. <br>• Verified subject loan was also qualified with 12 Months Personal Bank Statements.<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $95,221 x 0% expense factor = $95,221 / 12 months = $7,935.08.<br> 49% for B1 = $3,888.19. <br> 51% for B2 = $4,046.89.<br>• Lender's income calculations were $8,028 + $9,202 = $17,230 total. Audit's income calculations were $7,873.28 + $7,935.08 = $15,808.36 total. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Ready for Review-Document Uploaded. Please see the attached income calculators. There are a total of 4. When calculating income for this loan there were 12 months of personal income and 12 months of business income. At the time this loan was underwritten the max amount income used would be the stated income on the 1003. The 1003 income was lesser than the income calculated, so the 1003 stated income was used. - Seller-05/27/2025 | Resolved-Corrected UW comments with a corrected 1008 received. DTI now matches the audit's DTI. - Due Diligence Vendor-06/11/2025<br>|  |  | Bank Statement Calculator_6.pdf<br>Bank Statement Calculator_5.pdf<br>Bank Statement Calculator_4.pdf<br>Bank Statement_2.pdf<br>Rebuttal.pdf<br>Seller CD signed.pdf<br>Email for CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841696 | xxxxxx | C A | Closed | xxxxxx | 2025-05-19 09:51 | 2025-06-11 12:32 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected UW comments with a corrected 1008 received. DTI now matches the audit's DTI. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-The issue is with the Personal Bank Account. It is the same account, yet it is being counted twice, once for each borrower: $7,935 for B1 and again at $7,935 for B2. It should only be counted once: either at the full amount for the primary primary, or half of it for B1 and the other half for B2. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-Initial 1003 income is $8,028.00 (B1) + $9,202.00 (B2) = $17,230.00. Audited Income is $15,808.36. Therefore, the audited income should be used, as it is lower.<br>12 Months Business Bank Statements:<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $314,931 x 70% expense factor = $94,479.30 / 12 months = $7,873.28. <br> 49% for B1 = $3,857.90. <br> 51% for B2 = $4,015.37. <br>12 Months Personal Bank Statements.<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $95,221 x 0% expense factor = $95,221 / 12 months = $7,935.08.<br> 50% for B1 = $3,967.54. <br> 50% for B2 = $3,967.54.<br>Therefore, B1 is $3,857.90 (business) + $3,967.54 (personal) = $7,825.44. This is less than the stated $8,028.00.<br> And B2 is $4,015.37 (business) + $3,967.54 (personal) = $7,982.91. This is less than the stated $9,202.00.<br>Business bank account was divided according to business ownership, or 49%/51%. Personal bank account was divided evenly in half for each borrower, or 50%/50%. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see the attached income calculators. There are a total of 4. When calculating income for this loan there were 12 months of personal income and 12 months of business income. At the time this loan was underwritten the max amount income used would be the stated income on the 1003. The 1003 income was lesser than the income calculated, so the 1003 stated income was used. - Seller-05/27/2025 <br> Open-DTI discrepancy due to an income calculation discrepancy. Both borrowers are self-employed in the same Partnership business: B#1 at 49% and B2 at 51% = 100% total ownership. <br>• Verified subject loan was qualified with 12 Months Business Bank Statements.<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $314,931 x 70% expense factor = $94,479.30 / 12 months = $7,873.28. <br> 49% for B1 = $3,857.90. <br> 51% for B2 = $4,015.37. <br>• Verified subject loan was also qualified with 12 Months Personal Bank Statements.<br> The calculation validating the correct income is as follows:<br> Total Net Deposits of $95,221 x 0% expense factor = $95,221 / 12 months = $7,935.08.<br> 49% for B1 = $3,888.19. <br> 51% for B2 = $4,046.89.<br>• Lender's income calculations were $8,028 + $9,202 = $17,230 total. Audit's income calculations were $7,873.28 + $7,935.08 = $15,808.36 total. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. Please see the attached income calculators. There are a total of 4. When calculating income for this loan there were 12 months of personal income and 12 months of business income. At the time this loan was underwritten the max amount income used would be the stated income on the 1003. The 1003 income was lesser than the income calculated, so the 1003 stated income was used. - Seller-05/27/2025<br>| Resolved-Corrected UW comments with a corrected 1008 received. DTI now matches the audit's DTI. - Due Diligence Vendor-06/11/2025<br>|  |  | Bank Statement Calculator_6.pdf<br>Bank Statement Calculator_4.pdf<br>Bank Statement_2.pdf<br>Bank Statement Calculator_5.pdf<br>Rebuttal.pdf<br>Income Calculation Worksheet Self Employed.pdf<br>1008 Transmittal Summary_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841694 | xxxxxx | C A | Closed | xxxxxx | 2025-05-19 05:43 | 2025-05-22 02:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE document provided. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-Provide sufficient hazard insurance coverage. Hazard Insurance coverage amount of xxxxxx is less than required coverage amount of xxxxxx. Provide sufficient hazard coverage or Replace Cost Estimator (RCE).<br> - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-RCE document provided. - Due Diligence Vendor-05/22/2025<br>|  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841707 | xxxxxx | B A | Closed | xxxxxx | 2025-05-21 04:28 | 2025-05-21 12:57 | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception Waived with compensating factors. Approval provided p623 to allow primary wager earner (B2) to not have an additional active tradeline in the last 24 months. - Due Diligence Vendor-05/21/2025 |  | Waived-Exception Approval provided p623 to allow primary wager earner (B2) to not have an additional active tradeline in the last 24 months. - Due Diligence Vendor-05/21/2025<br>| 1. Credit Score is B1 fico 746, B2 fico 807, Minimum required per guidelines is 700.<br> 2. Borrower(s) have 91.48 months Reserves. Minimum required per guidelines is 9 months<br> 3. Residual Income is $7,300.68. Minimum Residual Income required per guidelines is $6,450. | 1. Credit Score is B1 fico 746, B2 fico 807, Minimum required per guidelines is 700.<br> 2. Borrower(s) have 91.48 months Reserves. Minimum required per guidelines is 9 months<br> 3. Residual Income is $7,300.68. Minimum Residual Income required per guidelines is $6,450. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841707 | xxxxxx | B A | Closed | xxxxxx | 2025-05-21 00:12 | 2025-05-21 12:55 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception Waived with compensating factors.-Cash Out is not completed according to the guideline requirements Exception Approval on p621 to for allow 70% LTV on a full doc cash out refinance for non-owner occupied. - Due Diligence Vendor-05/21/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Exception Approval on p621 to for allow 70% LTV on a full doc cash out refinance for non-owner occupied. - Due Diligence Vendor-05/21/2025<br>| 1. Credit Score is B1 fico 746, B2 fico 807, Minimum required per guidelines is 700.<br> 2. Borrower(s) have 91.48 months Reserves. Minimum required per guidelines is 9 months<br> 3. Residual Income is $7,300.68. Minimum Residual Income required per guidelines is $6,450. | 1. Credit Score is B1 fico 746, B2 fico 807, Minimum required per guidelines is 700.<br> 2. Borrower(s) have 91.48 months Reserves. Minimum required per guidelines is 9 months<br> 3. Residual Income is $7,300.68. Minimum Residual Income required per guidelines is $6,450. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841700 | xxxxxx | C A | Closed | xxxxxx | 2025-05-20 14:49 | 2025-05-22 06:43 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved- - Due Diligence Vendor-05/22/2025 <br> Counter-Documentation provided reflecting Borrower 1 is co-owner of asset account. Resolved. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-EMD was drawn off of joint account - borrower is listed as account owner. Please clear - Seller-05/21/2025 <br> Open-EMD in the amount of $30,000 provided by unknown individual, xxxxxx. No LOX/Gift letter in file. - Due Diligence Vendor-05/20/2025 | Ready for Review-EMD was drawn off of joint account - borrower is listed as account owner. Please clear - Seller-05/21/2025<br>|  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841700 | xxxxxx | C A | Closed | xxxxxx | 2025-05-22 06:28 | 2025-05-22 06:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-05/22/2025 <br>Open-Documentation provided reflecting Borrower 1 is co-owner of asset account. Resolved. - Due Diligence Vendor-05/22/2025 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841700 | xxxxxx | C A | Closed | xxxxxx | 2025-05-20 14:47 | 2025-05-22 06:42 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Documentation provided reflecting Borrower 1 is co-owner of asset account. Resolved. - Due Diligence Vendor-05/22/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. borrower is joint on account - Seller-05/21/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Check provided by unknown individual, xxxxxx. No LOX in file. Source of funds missing. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. borrower is joint on account - Seller-05/21/2025<br>| Resolved-Documentation provided reflecting Borrower 1 is co-owner of asset account. Resolved. - Due Diligence Vendor-05/22/2025<br>|  |  | xxxxxx 5-9-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841700 | xxxxxx | C A | Closed | xxxxxx | 2025-05-20 03:15 | 2025-05-22 03:06 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 document with corrected FICO provided. - Due Diligence Vendor-05/22/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025 <br> Open-Qualifying FICO on the 1008 Page is '696' or blank, but the Qualifying FICO from the Credit Liabilities Page is '717' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. B1 is Primary Wage Earner & Qualifying FICO of B1 is 717 but in 1008 Qualifying FICO given as 696 which of B2, Provide updated 1008 with Qualifying fico of 717. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025<br>| Resolved-Updated 1008 document with corrected FICO provided. - Due Diligence Vendor-05/22/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-05/22/2025<br>|  |  | 1008 Transmittal Summary- Final.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841711 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 841712 | xxxxxx | C A | Closed | xxxxxx | 2025-05-23 08:15 | 2025-06-03 07:00 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Post Disaster inpection provided-No Damage. Resolved. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. see attached. - Seller-06/02/2025 <br> Open-Property potentially affected by FEMA Disaster ID xxxxxx. xxxxxx - Declared xxxxxx without an Incident End Date with Public Assistance: NO and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. see attached. - Seller-06/02/2025<br>| Resolved-Post Disaster inpection provided-No Damage. Resolved. - Due Diligence Vendor-06/03/2025<br>|  |  | 250934.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841705 | xxxxxx | D A | Closed | xxxxxx | 2025-05-27 00:36 | 2025-05-29 03:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested income worksheet for Asset Depletion provided hence resolved. - Due Diligence Vendor-05/29/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/28/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income worksheet for Asset Depletion. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/28/2025<br>| Resolved-Requested income worksheet for Asset Depletion provided hence resolved. - Due Diligence Vendor-05/29/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/29/2025<br>|  |  | Asset Depletion Calculator_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841689 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 03:33 | 2025-07-02 10:43 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation Provided hence resolved. - Due Diligence Vendor-06/03/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation with an acceptable variance to Primary. CU Score in file is greater than 2.5. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Requested Secondary Valuation Provided hence resolved. - Due Diligence Vendor-06/03/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/03/2025<br>|  |  | Appraisal - CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Delayed Purchase | Cash Out - Other | N/A | N/A | xxxxxx |
| 841689 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 19:57 | 2025-06-03 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Purchase Contract | Resolved-Received documents to cure Delayed Financing transaction: Purchase contract, source of funds, and final settlement statement. Resolved. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. the bank statement showing the funds were transferred attached - Seller-06/03/2025 <br> Open-Provide disclosures for Delayed Financing documentation: original purchase contract and source of funds for the prior purchase. Received settlement statement. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. the bank statement showing the funds were transferred attached - Seller-06/03/2025<br>| Resolved-Received documents to cure Delayed Financing transaction: Purchase contract, source of funds, and final settlement statement. Resolved. - Due Diligence Vendor-06/03/2025<br>|  |  | purchase xxxxxx.pdf<br> xxxxxx 3-21-4-18.pdf<br> xxxxxx 3-1-3-31.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Delayed Purchase | Cash Out - Other | N/A | N/A | xxxxxx |
| 841689 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 02:37 | 2025-06-03 02:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested updated Title Provided hence resolved. - Due Diligence Vendor-06/03/2025 <br> Resolved-Title Document is fully Present - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Title Document is missing Provide Title commitment. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Requested updated Title Provided hence resolved. - Due Diligence Vendor-06/03/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-06/03/2025<br>|  |  | Title - Policy - Short Form Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Delayed Purchase | Cash Out - Other | N/A | N/A | xxxxxx |
| 841689 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 02:35 | 2025-06-03 01:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested Executed Deed of Trust Document Provided hence resolved. - Due Diligence Vendor-06/03/2025 <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Requested Executed Deed of Trust Document Provided hence resolved. - Due Diligence Vendor-06/03/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/03/2025<br>|  |  | Mortgage - Deed of Trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Delayed Purchase | Cash Out - Other | N/A | N/A | xxxxxx |
| 841689 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 04:11 | 2025-06-03 14:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Resolved. - Due Diligence Vendor-06/03/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/03/2025 <br> Resolved-The loan's (8.28%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 295 and the Final Closing disclosure on Pg#'s 107-118,137-138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 104. An interior and exterior appraisal was completed for this property – see pg 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 532, and confirmation the appraisal was delivered to the borrower – see Pg#'s 41. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/29/2025 |  | Resolved-Resolved. - Due Diligence Vendor-06/03/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/03/2025 <br> Resolved-The loan's (8.28%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 295 and the Final Closing disclosure on Pg#'s 107-118,137-138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 104. An interior and exterior appraisal was completed for this property – see pg 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 532, and confirmation the appraisal was delivered to the borrower – see Pg#'s 41. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Delayed Purchase | Cash Out - Other | N/A | N/A | xxxxxx |
| 841716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-28 12:58 | 2025-06-04 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received SE Business Narrative from borrower. Resolved condition. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Counter-Provide executed Self-Employed Business Narrative. The narrative is provided by the borrower describing the nature of the business. Received Articles of Incorporation and the Operating agreement. Countered, still need Business Narrative. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Provide executed Self-Employed Business Narrative. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Received SE Business Narrative from borrower. Resolved condition. - Due Diligence Vendor-06/04/2025<br>|  |  | xxxxxx Operating Agreement.pdf<br> xxxxxx Articles of Incorp.pdf<br> Business Narrative.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-28 06:03 | 2025-05-28 11:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Waived with compensating factors.-Loan does not conform to program guidelines Exception Approval p696:<br> Purchase of second home for borrower with no ownership in current primary residence and no housing payment history for past 12 months (guidelines allow for purchase of primary, not second home) - Due Diligence Vendor-05/28/2025 |  | Waived-Loan does not conform to program guidelines Exception Approval p696:<br> Purchase of second home for borrower with no ownership in current primary residence and no housing payment history for past 12 months (guidelines allow for purchase of primary, not second home) - Due Diligence Vendor-05/28/2025<br>| 1.Borrower(s) have 108.43 months Reserves. Minimum required per guidelines is 6 months.<br> 2.Borrower has worked in same job more than 3 years.<br> 3.Borrower has worked in same industry more than 5 years.<br> 4.15% downpayment, 101 months in reserves, no collections/judgements no lates/derogatory credit, sufficient residual income available of $10,210 per month | 1.Borrower(s) have 108.43 months Reserves. Minimum required per guidelines is 6 months.<br> 2.Borrower has worked in same job more than 3 years.<br> 3.Borrower has worked in same industry more than 5 years.<br> 4.15% downpayment, 101 months in reserves, no collections/judgements no lates/derogatory credit, sufficient residual income available of $10,210 per month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 841693 | xxxxxx | B A | Closed | xxxxxx | 2025-05-29 05:40 | 2025-05-30 07:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Waived with compensating factors.-Audited FICO of 715 is less than Guideline FICO of 760 Exception Approval p717: for Credit score of 715 due to isolated incident with xxxxxx in June and July of 2024, which is now a 0<br> balance. No other derogatory credit on borrower's history. Borrower wants to put down 10% on a 12 month bank statement loan. Credit score below minimum requirement of 760 - Due Diligence Vendor-05/29/2025 |  | Waived-Audited FICO of 715 is less than Guideline FICO of 760 Exception Approval p717: for Credit score of 715 due to isolated incident with xxxxxx in June and July of 2024, which is now a 0<br> balance. No other derogatory credit on borrower's history. Borrower wants to put down 10% on a 12 month bank statement loan. Credit score below minimum requirement of 760 - Due Diligence Vendor-05/29/2025 | 1. Same industry for 5 years.<br> 2. Residual Income is $11,359.34. Minimum Residual Income required per guidelines is $2,800.<br> 3. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. | 1. Same industry for 5 years.<br> 2. Residual Income is $11,359.34. Minimum Residual Income required per guidelines is $2,800.<br> 3. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841693 | xxxxxx | B A | Closed | xxxxxx | 2025-05-29 06:27 | 2025-05-30 08:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.304%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #591 and the Final Closing disclosure on Pg #386 reflects escrows. Rate lock date was entered correctly – see Pg #379 An interior and exterior appraisal was completed for this property – see Pg #42-47, the appraisal disclosure was provided to the borrower(s)- see Pg #418 and copy of the appraisal was given to the borrower – see Pg #428 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/29/2025 |  | Resolved-The loan's (9.304%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #591 and the Final Closing disclosure on Pg #386 reflects escrows. Rate lock date was entered correctly – see Pg #379 An interior and exterior appraisal was completed for this property – see Pg #42-47, the appraisal disclosure was provided to the borrower(s)- see Pg #418 and copy of the appraisal was given to the borrower – see Pg #428 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841717 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-04 10:21 | 2025-06-10 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Received updated 1008 showing no HOA dues. Resolved - Due Diligence Vendor-06/10/2025 <br> Resolved-HOA Questionnaire is Present - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/09/2025 <br> Open-HOA Questionnaire is Missing or Partial. Provide HOA statement supporting monthly payment of $125 per 1008. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/09/2025<br>| Resolved-Received updated 1008 showing no HOA dues. Resolved - Due Diligence Vendor-06/10/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-06/10/2025<br>|  |  | 1008 Transmittal Summary_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841717 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-02 05:09 | 2025-06-04 09:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Waived with compensating factors.-Audited LTV of 80% exceeds Guideline LTV of 75% Exception Approval p451 for 80% LTV Cash Out Prime Non Agency as xxxxxx.<br> - Due Diligence Vendor-06/02/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception Approval p451 for 80% LTV Cash Out Prime Non Agency as xxxxxx.<br> - Due Diligence Vendor-06/02/2025 | 1. Credit Score is 743. Minimum required per guidelines is 700.<br> 2. DTI is 19.33%. Maximum allowed per guidelines is 50%.<br> 3. Borrower(s) have 25.53 months Reserves. Minimum required per guidelines is 9 months. | 1. Credit Score is 743. Minimum required per guidelines is 700.<br> 2. DTI is 19.33%. Maximum allowed per guidelines is 50%.<br> 3. Borrower(s) have 25.53 months Reserves. Minimum required per guidelines is 9 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 838915 | xxxxxx | C A | Closed | xxxxxx | 2025-06-06 00:56 | 2025-06-12 09:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Policy provided to show the insurance was in force on the day of closing - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Policy provided to show the insurance was in force on the day of closing - Due Diligence Vendor-06/12/2025<br>|  |  | Updated HOI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838919 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841724 | xxxxxx | A | Closed | xxxxxx | 2025-06-04 09:31 | 2025-06-05 13:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.485%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #520 and the Final Closing disclosure on Pg #149 reflects escrows. Rate lock date was entered correctly – see Pg #134 An interior and exterior appraisal was completed for this property – see Pg #58-64, the appraisal disclosure was provided to the borrower(s)- see Pg #528 and copy of the appraisal was given to the borrower – see Pg #42 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/04/2025 |  | Resolved-The loan's (8.485%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #520 and the Final Closing disclosure on Pg #149 reflects escrows. Rate lock date was entered correctly – see Pg #134 An interior and exterior appraisal was completed for this property – see Pg #58-64, the appraisal disclosure was provided to the borrower(s)- see Pg #528 and copy of the appraisal was given to the borrower – see Pg #42 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841719 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 840102 | xxxxxx | D A | Closed | xxxxxx | 2025-06-12 05:37 | 2025-06-13 06:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/13/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/13/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/13/2025<br>|  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838810 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-09 07:47 | 2025-06-13 11:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Guidelines do not allow entity to sign note Note Singed As LLC - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/13/2025<br>| 1- 764 FICO - 700 FICO minimum<br> 2- 62% LTV - 75% LTV maximum<br> 3- Personal Guarantee in file | 1- 764 FICO - 700 FICO minimum<br> 2- 62% LTV - 75% LTV maximum<br> 3- Personal Guarantee in file | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841718 | xxxxxx | D A | Closed | xxxxxx | 2025-06-09 11:12 | 2025-06-12 04:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-06/12/2025 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025 <br> Open-Missing Third Party Fraud Report Provide Third party Fraud Report. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025<br>| Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/12/2025<br>|  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841692 | xxxxxx | B A | Closed | xxxxxx | 2025-06-06 10:01 | 2025-06-10 09:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Waived with compensating factors.-Audited FICO of 749 is less than Guideline FICO of 760 Exception Approval p314 for Rate Sheet Pricing/Program - FICO/LTV outside of program guidelines. Requesting 90% LTV for this borrower who is at a 749 middle score (guideline requires 760 score) - Due Diligence Vendor-06/06/2025 |  | Waived-Audited FICO of 749 is less than Guideline FICO of 760 Exception Approval p314 for Rate Sheet Pricing/Program - FICO/LTV outside of program guidelines. Requesting 90% LTV for this borrower who is at a 749 middle score (guideline requires 760 score) - Due Diligence Vendor-06/06/2025<br>| 1. Borrower(s) have 45.95 months Reserves. Minimum required per guidelines is 3 months.<br> 2. DTI is 17.84%. Maximum allowed per guidelines is 50%.<br> 3. same job/industry for 22 years. | 1. Borrower(s) have 45.95 months Reserves. Minimum required per guidelines is 3 months.<br> 2. DTI is 17.84%. Maximum allowed per guidelines is 50%.<br> 3. same job/industry for 22 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841709 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 20:35 | 2025-06-13 00:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Depletion Income Worksheet Provided. Resolved - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see the attached - Seller-06/12/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income worksheet for Borrower 2 income. Qualified using Asset depletion. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-06/12/2025<br>| Resolved-Asset Depletion Income Worksheet Provided. Resolved - Due Diligence Vendor-06/13/2025<br>|  |  | B2 Asset Depletion Calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841703 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841695 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-19 07:32 | 2025-08-21 12:05 | Waived | 2 - Non-Material C B | Property | Value | Valuation Products Have Variations to Primary that Exceeds -10% | Waived-Waived - Desk review for original appraised value was outside of 10% tolerance. Full second appraisal provided post desk review and supports original appraised value within 10%. - Due Diligence Vendor-08/21/2025 <br>Waived-All Valuation Products Have Variations to Primary that Exceeds -10% Client obtain a second full appraisal to support original value within 10% on waterfall. Original desk review support outside of 10% tolerance. - Due Diligence Vendor-08/19/2025 |  | Waived-Waived - Desk review for original appraised value was outside of 10% tolerance. Full second appraisal provided post desk review and supports original appraised value within 10%. - Due Diligence Vendor-08/21/2025 <br>Waived-All Valuation Products Have Variations to Primary that Exceeds -10% Client obtain a second full appraisal to support original value within 10% on waterfall. Original desk review support outside of 10% tolerance. - Due Diligence Vendor-08/19/2025<br>| Waived - Full 1004 appraisal provided to support within 10% of original appraised value. | Waived - Full 1004 appraisal provided to support within 10% of original appraised value. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 5226035 |
| 841695 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-11 07:52 | 2025-06-12 08:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception Approval p439, 440<br> -80% LTV for a cash out refinance using 12 months of business bank statements.<br> - Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements. - Due Diligence Vendor-06/11/2025 |  | Waived-Audited LTV Exceeds Guideline LTV Exception Approval p439, 440<br> Client elects to waive with compensating factors-80% LTV for a cash out refinance using 12 months of business bank statements.<br> - Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements. - Due Diligence Vendor-06/11/2025 | 1.Credit Score is 749. Minimum required per guidelines is 700.<br> 2.Borrower(s) have 36.92 months Reserves. Minimum required per guidelines is 9 months.<br> 3.Residual Income is $17246.45. Minimum Residual Income required per guidelines is $4800. <br> 4.Residual Income is $16,811, excellent credit history with no mortgage delinquencies, and 37 months of reserves. | 1.Credit Score is 749. Minimum required per guidelines is 700.<br> 2.Borrower(s) have 36.92 months Reserves. Minimum required per guidelines is 9 months.<br> 3.Residual Income is $17246.45. Minimum Residual Income required per guidelines is $4800. <br> 4.Residual Income is $16,811, excellent credit history with no mortgage delinquencies, and 37 months of reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4409374 |
| 841720 | xxxxxx | B A | Closed | xxxxxx | 2025-06-12 00:21 | 2025-08-11 11:03 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception Waived with compensating factors.-Exception Approval p672:<br> Use bank statement income from calculator not what was initially disclosed on accident on application per reviewer and said to send this in per management. They will approve per conversation - Due Diligence Vendor-08/11/2025 |  | Waived-Exception Approval p672:<br> Use bank statement income from calculator not what was initially disclosed on accident on application per reviewer and said to send this in per management. They will approve per conversation - Due Diligence Vendor-08/11/2025<br>| 1.Residual Income is $71308.61. Minimum Residual Income required per guidelines is $2800. <br> 2.Borrower(s) have 67.29 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Borrower has worked in same industry more than 5 years 3 months. | 1.Residual Income is $71308.61. Minimum Residual Income required per guidelines is $2800. <br> 2.Borrower(s) have 67.29 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Borrower has worked in same industry more than 5 years 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 841691 | xxxxxx | D A | Closed | xxxxxx | 2025-06-16 11:55 | 2025-06-18 07:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/17/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/17/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-06/18/2025<br>|  |  | Business Narrative.pdf<br>Business Narrative_ex_audit log_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838866 | xxxxxx | D A | Closed | xxxxxx | 2025-06-25 07:27 | 2025-06-30 06:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Counter-Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-06/30/2025 |  |  | xxxxxx CD items.pdf<br> xxxxxx 6 2 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838866 | xxxxxx | D A | Closed | xxxxxx | 2025-06-30 06:23 | 2025-06-30 06:48 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 258 and the Final Closing disclosure on page 85 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 315 and copy of the appraisal was given to the borrower – see page 184, 185, 186. The loan meets HPML guidelines. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open-The loan's (10.903%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 258 and the Final Closing disclosure on page 85 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 315 and copy of the appraisal was given to the borrower – see page 184, 185, 186. The loan meets HPML guidelines. - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838866 | xxxxxx | D A | Closed | xxxxxx | 2025-06-30 06:23 | 2025-06-30 06:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Updated County Portal Usage Fee to Recording Fee - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: County Portal Usage Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-Updated County Portal Usage Fee to Recording Fee - Due Diligence Vendor-06/30/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838866 | xxxxxx | D A | Closed | xxxxxx | 2025-06-18 00:41 | 2025-06-26 05:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/26/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/26/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/26/2025<br>|  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840121 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-19 23:49 | 2025-08-11 12:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/26/2025 <br> Ready for Review-xxxxxx approves exception. - Seller-06/25/2025 <br> Open-Audited Reserves of 2.99 month(s) are less than Guideline Required Reserves of 3 month(s) Exception is approved for Audited Reserves of 2.99 month(s) are less than Guideline Required Reserves of 3 month(s).<br> Exception is available on page 429. - Due Diligence Vendor-06/20/2025 | Ready for Review-xxxxxx approves exception. - Seller-06/25/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/26/2025<br>| DTI is 23.13%. Maximum allowed per guidelines is 50%.<br> Credit Score is 726. Minimum required per guidelines is 700.<br>| DTI is 23.13%. Maximum allowed per guidelines is 50%.<br> Credit Score is 726. Minimum required per guidelines is 700.<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840121 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-26 15:03 | 2025-08-11 12:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376____ and the Final Closing disclosure on Pg#'s __265__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __407___ An interior and exterior appraisal was completed for this property – see pg __20__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_444__ , and copy of the appraisal was given to the borrower – see Pg#'s __260___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/26/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.013%) equals or exceeds the xxxxxx HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/26/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376____ and the Final Closing disclosure on Pg#'s __265__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __407___ An interior and exterior appraisal was completed for this property – see pg __20__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_444__ , and copy of the appraisal was given to the borrower – see Pg#'s __260___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840121 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-25 13:54 | 2025-06-26 15:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Provided the initial CD - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/25/2025 <br>Open-TRID: Missing Closing Disclosure Provide the initial CD along with all COC's - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Provided the initial CD - Due Diligence Vendor-06/26/2025<br>|  |  | CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840121 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-26 15:03 | 2025-06-26 15:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376____ and the Final Closing disclosure on Pg#'s __265__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __407___ An interior and exterior appraisal was completed for this property – see pg __20__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_444__ , and copy of the appraisal was given to the borrower – see Pg#'s __260___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/26/2025 <br> Open-The loan's (10.013%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/26/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376____ and the Final Closing disclosure on Pg#'s __265__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __407___ An interior and exterior appraisal was completed for this property – see pg __20__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_444__ , and copy of the appraisal was given to the borrower – see Pg#'s __260___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840121 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-11 14:55 | 2025-08-11 14:58 | Resolved | 1 - Information A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Updated policy provided including ordinance/law coverage. - Due Diligence Vendor-08/11/2025 <br> Resolved-If Replacement Cost Value (RCV) ≤ Loan Amount, then Coverage Amount Hazard Insurance ≥ RCV. If 80% of RCV ≤ Loan Amount, then Coverage Amount Hazard Insurance ≥ Loan Amount. If 80% of RCV > Loan Amount, then Coverage Amount Hazard Insurance ≥ 80% of RCV. the coverage for the home is xxxxxx. The loan amount is xxxxxx or the replacement cost is xxxxxx. Please show coverage for at least the RCE. - Due Diligence Vendor-08/11/2025 | Ordnance/Law coverage is added back to put the full dwelling coverage at xxxxxx. - 08/11/2025 <br>| Resolved-Updated policy provided including ordinance/law coverage. - Due Diligence Vendor-08/11/2025 <br> Resolved-If Replacement Cost Value (RCV) ≤ Loan Amount, then Coverage Amount Hazard Insurance ≥ RCV. If 80% of RCV ≤ Loan Amount, then Coverage Amount Hazard Insurance ≥ Loan Amount. If 80% of RCV > Loan Amount, then Coverage Amount Hazard Insurance ≥ 80% of RCV. the coverage for the home is xxxxxx. The loan amount is xxxxxx or the replacement cost is xxxxxx. Please show coverage for at least the RCE. - Due Diligence Vendor-08/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 07:59 | 2025-07-09 06:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Form/disclosure deficiency | Resolved-Lender provided disclosure tracking for LE/CD disclosures. Finding resolved. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Uploaded a couple times now. - Seller-07/08/2025 <br>Open-Please provide disclosure tracking summary to confirm receipt of revised LEs and CDs provided. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Uploaded a couple times now. - Seller-07/08/2025<br>| Resolved-Lender provided disclosure tracking for LE/CD disclosures. Finding resolved. - Due Diligence Vendor-07/09/2025<br>|  |  | xxxxxx Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-03 13:23 | 2025-07-08 08:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Lender provided revised LE and CD with relevant COCs. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC provided has a date of xxxxxx for inspection fee added. Please provide relevant disclosure to COC. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Lender provided revised LE and CD with relevant COCs. Finding resolved. - Due Diligence Vendor-07/08/2025<br>|  |  | xxxxxx 6 4 CC.pdf<br> xxxxxx 5 15 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-02 09:52 | 2025-07-03 13:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing from file. Currently on Final in file. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-07/03/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-27 10:50 | 2025-07-02 09:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided initial LE. Finding resolved. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-LE relevant to Rate Lock COC is missing from file. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Lender provided initial LE. Finding resolved. - Due Diligence Vendor-07/02/2025<br>|  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-27 11:41 | 2025-07-02 09:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-The Deed of Trust is Incomplete Signature page is missing from DOT in file, p. 16 of document. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-07/02/2025<br>|  |  | xxxxxx Deed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-27 10:48 | 2025-07-02 09:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided rate lock confirmation. Finding resolved. - Due Diligence Vendor-07/02/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Evidence of rate lock is missing from file. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Lender provided rate lock confirmation. Finding resolved. - Due Diligence Vendor-07/02/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/02/2025<br>|  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-23 04:34 | 2025-06-30 01:42 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard insurance coverage is less than required coverage amount is missing in file, provided RCE, Changes made in system, Finding Resolved - Due Diligence Vendor-06/30/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Hazard insurance coverage is less than required coverage amount is missing in file, provided RCE, Changes made in system, Finding Resolved - Due Diligence Vendor-06/30/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/30/2025 |  |  | xxxxxx RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-23 04:30 | 2025-06-30 01:41 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Second Appraisal is missing in file, provided xxxxxx, Changes made in system, Finding Resolved - Due Diligence Vendor-06/30/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Value Missing in the file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Second Appraisal is missing in file, provided xxxxxx, Changes made in system, Finding Resolved - Due Diligence Vendor-06/30/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/30/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-03 13:23 | 2025-08-11 11:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.634%) equals or exceeds the xxxxxx HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/09/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.634%) equals or exceeds the xxxxxx HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838872 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-03 13:23 | 2025-07-09 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Resolved-The loan's (9.634%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/09/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Resolved-The loan's (9.634%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 179 and the Final Closing disclosure on Pg. 70 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 243 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840127 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-17 04:21 | 2025-06-25 05:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-See Evidence of Rate Lock Finding for the Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-See Evidence of Rate Lock Finding for the Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/25/2025<br>|  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840127 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-24 06:07 | 2025-06-25 05:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Missing Evidence of Rate Lock received. See Missing Closing Disclosure Finding for the Confirmation of Rate Lock document. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Evidence of Rate Lock Missing Evidence of Rate Lock received. See Missing Closing Disclosure Finding for the Confirmation of Rate Lock document. - Due Diligence Vendor-06/25/2025<br>|  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840127 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-24 06:14 | 2025-06-24 06:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors. Exception page 176<br> Reserves- Loan File 4 months, GL Requirement 6 months |  | Waived-Exception page 176<br> Reserves- Loan File 4 months, GL Requirement 6 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/24/2025<br>| Credit Score - Loan File 757, GL Requirement Min 700<br> Residual Income- Loan File $3071.03, GL Requirement $1500 + $450 ($150 per dependent \*3) = $1950<br> Job Stability- Loan File 12 yrs same employer, GL Requirement 2 yrs same employer | Credit Score - Loan File 757, GL Requirement Min 700<br> Residual Income- Loan File $3071.03, GL Requirement $1500 + $450 ($150 per dependent \*3) = $1950<br> Job Stability- Loan File 12 yrs same employer, GL Requirement 2 yrs same employer |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840127 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-25 05:23 | 2025-06-25 05:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.463%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 163 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 24, the appraisal disclosure was provided to the borrower(s)- see page 252 and copy of the appraisal was given to the borrower – see page 50. The loan meets HPML guidelines. - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 |  | Resolved-The loan's (8.463%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 163 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 24, the appraisal disclosure was provided to the borrower(s)- see page 252 and copy of the appraisal was given to the borrower – see page 50. The loan meets HPML guidelines. - Due Diligence Vendor-06/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840098 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-08-11 13:47 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 235 and the Final Closing disclosure on page 88 reflects escrows. Rate lock date was entered correctly – see page 276. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 315 and copy of the appraisal was given to the borrower – see page 22. The loan meets HPML guidelines. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.475%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-Loan xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 235 and the Final Closing disclosure on page 88 reflects escrows. Rate lock date was entered correctly – see page 276. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 315 and copy of the appraisal was given to the borrower – see page 22. The loan meets HPML guidelines. - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-25 10:01 | 2025-08-11 09:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors.. Exception page 281-282<br> Reserves- Loan File 2 months, GL Requirement 3 months<br> Guidelines require 3 months reserves on the subject property and 6 months reserves on the departure that is being converted into a rental. The borrower has the 6 months reserves for the departure and has a remaining 2.19 months for the subject. The borrower is $1,495.91 short of the full 3 months. - Due Diligence Vendor-08/11/2025 |  | Waived-Waived-Exception Waived with compensating factors. Exception page 281-282<br> Reserves- Loan File 2 months, GL Requirement 3 months<br> Guidelines require 3 months reserves on the subject property and 6 months reserves on the departure that is being converted into a rental. The borrower has the 6 months reserves for the departure and has a remaining 2.19 months for the subject. The borrower is $1,495.91 short of the full 3 months. - Due Diligence Vendor-08/11/2025 | Credit Score - Loan File 780, GL Requirement MIn 700<br> Residual Income- Loan File $2827.46, GL Requirement $1500 + $450 ($150 per dependent \*3)= $1950<br> Housing History - Loan File 0X30X12 months, GL Requirement 0X30X6 months | Credit Score - Loan File 780, GL Requirement MIn 700<br> Residual Income- Loan File $2827.46, GL Requirement $1500 + $450 ($150 per dependent \*3)= $1950<br> Housing History - Loan File 0X30X12 months, GL Requirement 0X30X6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-06-30 05:18 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Received and Intent To Proceed | Resolved-xxxxxx was re-run and Finding cleared - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Open-The date the consumer indicated an intent to proceed with a transaction (xxxxxx) is before the date the consumer received the Loan Estimate (xxxxxx). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-xxxxxx was re-run and Finding cleared - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-06-30 05:16 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 235 and the Final Closing disclosure on page 88 reflects escrows. Rate lock date was entered correctly – see page 276. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 315 and copy of the appraisal was given to the borrower – see page 22. The loan meets HPML guidelines. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open-The loan's (9.475%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 235 and the Final Closing disclosure on page 88 reflects escrows. Rate lock date was entered correctly – see page 276. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 315 and copy of the appraisal was given to the borrower – see page 22. The loan meets HPML guidelines. - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-18 01:26 | 2025-06-30 05:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Counter-Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary<br> - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-06/30/2025 |  |  | xxxxxx CD Items.pdf<br> xxxxxx 6 3 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-06-30 05:10 | Resolved | 1 - Information C A | Compliance | xxxxxx | HighCost: Fees | Resolved-Updated Prepaids from Other to Lender - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open-The loan fees ($8,540.91) exceed the (xxxxxx) High Cost fee limit, which is ($7,624.16), the difference is ($916.75). - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-Updated Prepaids from Other to Lender - Due Diligence Vendor-06/30/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-06-30 05:10 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved-Updated Prepaids from Other to Lender - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open-There is ($1,040.55) of prepaid interest designated as paid to an affiliate or third-party provider disclosed under Section F "Prepaids". Under Regulation Z, charges included under the subheading "Prepaids" on the Loan Estimate or Closing Disclosure are those amounts to be paid by the consumer in advance of the first scheduled payment. Prepaid interest should not be designated as paid to anyone other than the lender. (12 CFR 1026.37(g)(2); 12 CFR 1026.38(g)(2)) - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-Updated Prepaids from Other to Lender - Due Diligence Vendor-06/30/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838863 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-17 23:39 | 2025-06-26 06:18 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Interest rate and Other payment value mis match on file, Provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-06/26/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. 12.5 is the ground rent. - Seller-06/25/2025 <br> Open-The 1008 document is missing from the loan file. 1008 reflects Note rate of xxxxxx% and P&I payment iao $xxxxxx. Also unable to locate supporting documentation for the Other $12.50. Provide an updated 1008 with P&I payment iao $xxxxxx and Note rate as xxxxxx% and have Other $12.50 removed or provide supporting documentation. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. 12.5 is the ground rent. - Seller-06/25/2025<br>| Resolved-1008 Interest rate and Other payment value mis match on file, Provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-06/26/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/26/2025<br>|  |  | Ground rent.pdf<br> xxxxxx Ground rent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840084 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-17 05:03 | 2025-06-23 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements VOR reflects 9 months housing history. GL requires 12 months housing history. Provide Exception or provide evidence of prior housing history. Per 1003, the borrower resided at prior residence for 3 years. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/23/2025<br>| Credit Score - Loan File 755, GL Requirement 700<br> DSCR- Loan File 0.908, GL Requirement Min 0.75 | Credit Score - Loan File 755, GL Requirement 700<br> DSCR- Loan File 0.908, GL Requirement Min 0.75 | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841708 | xxxxxx | B A | Closed | xxxxxx | 2025-06-17 01:15 | 2025-08-11 10:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Exception Waived with compensating factors.-Exception Approval provided p483:<br> Pmt shock > 150%. Current rent $650/m. Proposed PITI $2,900. Pmt shock is 446%. He previously lived with parents & paid $400 in rent (per application). He is purchasing the primary home. - Due Diligence Vendor-08/11/2025 |  | Waived-Exception Approval provided p483:<br> Pmt shock > 150%. Current rent $650/m. Proposed PITI $2,900. Pmt shock is 446%. He previously lived with parents & paid $400 in rent (per application). He is purchasing the primary home. - Due Diligence Vendor-08/11/2025<br>| 1.Borrower(s) have 40.72 months Reserves. Minimum required per guidelines is 6 months.<br> 2.Residual Income is $5184.13. Minimum Residual Income required per guidelines is $1200. <br> 3.Borrower has worked in same job more than 10 years; 2 years required | 1.Borrower(s) have 40.72 months Reserves. Minimum required per guidelines is 6 months.<br> 2.Residual Income is $5184.13. Minimum Residual Income required per guidelines is $1200. <br> 3.Borrower has worked in same job more than 10 years; 2 years required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841708 | xxxxxx | B A | Closed | xxxxxx | 2025-06-17 00:58 | 2025-08-11 13:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.111%) equals or exceeds the xxxxxx HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%).(xxxxxx; 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 419 and the Final Closing disclosure on Pg#'s 196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 123. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 446. The loan meets HPML guidelines, resolved - Due Diligence Vendor-06/17/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.111%) equals or exceeds the xxxxxx HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%).(xxxxxx; 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 419 and the Final Closing disclosure on Pg#'s 196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 123. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 446. The loan meets HPML guidelines, resolved - Due Diligence Vendor-06/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841708 | xxxxxx | B A | Closed | xxxxxx | 2025-06-17 00:58 | 2025-06-17 15:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.111%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 419 and the Final Closing disclosure on Pg#'s 196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 123. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 446. The loan meets HPML guidelines, resolved - Due Diligence Vendor-06/17/2025 |  | Resolved-The loan's (9.111%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 419 and the Final Closing disclosure on Pg#'s 196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 123. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 446. The loan meets HPML guidelines, resolved - Due Diligence Vendor-06/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840099 | xxxxxx | D A | Closed | xxxxxx | 2025-06-27 15:16 | 2025-07-02 10:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/02/2025 |  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840122 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-02 10:01 | 2025-07-02 10:17 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _381___ and the Final Closing disclosure on Pg#'s __241__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_524__ , and copy of the appraisal was given to the borrower – see Pg#'s __408___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/02/2025 <br> Open-The loan's (9.39%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _381___ and the Final Closing disclosure on Pg#'s __241__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_524__ , and copy of the appraisal was given to the borrower – see Pg#'s __408___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840122 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-30 12:59 | 2025-07-02 10:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the initial CD and COC's - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-TRID: Missing Closing Disclosure Provide the initial Closing disclosure and any COC's - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-received the initial CD and COC's - Due Diligence Vendor-07/02/2025<br>|  |  | xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840122 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-24 23:36 | 2025-07-02 09:36 | Waived | 2 - Non-Material C B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Client elect to waive with the following compensating factors - Due Diligence Vendor-07/02/2025 <br> Ready for Review-xxxxxx approves exception. OK to proceed. - Seller-07/01/2025 <br> Open-Exception page No#508:- 1 revolving for 37 mos; 1 <br> mortgage for 17 mos; and 3 <br> other revolving for >6 mos - Due Diligence Vendor-06/25/2025 | Ready for Review-xxxxxx approves exception. OK to proceed. - Seller-07/01/2025 | Waived-Client elect to waive with the following compensating factors - Due Diligence Vendor-07/02/2025 | 1. DTI is 15.18%. Maximum allowed per guidelines is 50%.<br> 2.Credit Score is 748. Minimum required per guidelines is 700.<br> 3. Borrower(s) have 8.43 months Reserves. Minimum required per guidelines is 3 months. | 1. DTI is 15.18%. Maximum allowed per guidelines is 50%.<br> 2.Credit Score is 748. Minimum required per guidelines is 700.<br> 3. Borrower(s) have 8.43 months Reserves. Minimum required per guidelines is 3 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840094 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-02 06:28 | 2025-08-08 07:39 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-Per external counsel, appropriate to waive as immaterial. - Due Diligence Vendor-08/08/2025 <br> Acknowledged-The loan's (8.449%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.92%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel appropriate to acknowledge and change to Grade B - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 |  | Waived-Per external counsel, appropriate to waive as immaterial. - Due Diligence Vendor-08/08/2025 <br> Acknowledged-The loan's (8.449%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.92%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel appropriate to acknowledge and change to Grade B - Due Diligence Vendor-07/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 840094 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-27 11:39 | 2025-07-02 06:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Trackng Summary received - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025 | Resolved-Revised LE, Initial CD, COC and Disclosure Trackng Summary received - Due Diligence Vendor-07/02/2025 |  |  | Items for CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 840094 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-22 22:30 | 2025-07-02 02:03 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from 1008 to Credit Report, provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-07/02/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Qualifying FICO on the 1008 Page is '709' or blank, but the Qualifying FICO from the Credit Liabilities Page is '710' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per Matrix, when qualifying income is equal for all borrowers the highest representative score is used to determine the loan qualifying score. Highest Mid Score is 710 per Credit Report. Provide updated 1008. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Fico Mis match from 1008 to Credit Report, provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-07/02/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/02/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 840094 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-23 04:30 | 2025-07-02 02:02 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Appraisal Document was improper, Provided Updated Appraisal Report, Changes made in system, Finding Resolved - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Appraisal is in the loan file; however, the bottom portion of each page is cut-off/missing. Provide complete Appraisal document with visible Appraisal Value. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Appraisal Document was improper, Provided Updated Appraisal Report, Changes made in system, Finding Resolved - Due Diligence Vendor-07/02/2025 |  |  | Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838893 | xxxxxx | D A | Closed | xxxxxx | 2025-07-02 07:12 | 2025-08-11 12:43 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.869%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/02/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/03/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838893 | xxxxxx | D A | Closed | xxxxxx | 2025-07-02 07:12 | 2025-07-03 05:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised Closing Disclosure and COC received - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Due to loan amount increase. - Seller-07/02/2025 <br> Open-Provide COC for Broker Fees that increased from $7205 to $7342.50 on the Final CD - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Due to loan amount increase. - Seller-07/02/2025<br>| Resolved-Revised Closing Disclosure and COC received - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 |  |  | xxxxxx 6 10 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838893 | xxxxxx | D A | Closed | xxxxxx | 2025-07-02 07:12 | 2025-07-03 05:47 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/03/2025 <br> Open-. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open-The loan's (9.869%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/02/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/03/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 190 and the Final Closing disclosure on page 105 reflects escrows. Rate lock date was entered correctly – see page 217. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 265 and copy of the appraisal was given to the borrower – see page 125. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838893 | xxxxxx | D A | Closed | xxxxxx | 2025-06-30 09:24 | 2025-07-02 07:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial Cd, COC and Disclosure Tracking Summary received - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Revised LE, Initial Cd, COC and Disclosure Tracking Summary received - Due Diligence Vendor-07/02/2025 |  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838893 | xxxxxx | D A | Closed | xxxxxx | 2025-07-02 07:12 | 2025-07-02 07:17 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Updated HOC Disclosure date to xxxxxx - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (xxxxxx) is more than 3 business days from the Application Date (xxxxxx). Three business days from the Application Date is (xxxxxx). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-07/02/2025 |  | Resolved-Updated HOC Disclosure date to xxxxxx - Due Diligence Vendor-07/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 13:54 | 2025-07-09 17:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Provided, Resolved. - Due Diligence Vendor-07/09/2025 <br> Counter-Income on the 1008 and 1003 reflect $11,353.81 and the Income Calculator Worksheet calculation reflects Total Net Deposits $367,373.75- Excluded Deposits $115,382.28= $251,991.47\* 100 % Business Ownership With 50% Expense Ratio= $125,995.74/ 12 months= $10,499.645 Monthly Qualifying Income - Due Diligence Vendor-07/09/2025 <br> Ready for Review-These were provided? What exactly is the issue?<br> - Seller-07/08/2025 <br> Open-The 1008 document is missing from the loan file. 1008 is present however, income calculation should be as follows: Total Net Deposits $367,373.75- Excluded Deposits $115,382.28= $251,991.47\* 100 % Business Ownership With 50% Expense Ratio= $125,995.74/ 12 months= $10,499.65 Monthly Qualifying Income which matches the Income Calculator Worksheet provided. Provide Updated 1008 - Due Diligence Vendor-07/08/2025 | Ready for Review-These were provided? What exactly is the issue?<br> - Seller-07/08/2025<br>| Resolved-1008 Provided, Resolved. - Due Diligence Vendor-07/09/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 09:31 | 2025-07-08 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received legible Income Calculation Worksheet - Due Diligence Vendor-07/08/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide legible copy of the Income Calculation Worksheet - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received legible Income Calculation Worksheet - Due Diligence Vendor-07/08/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/08/2025 |  |  | xxxxxx 1008.pdf<br> xxxxxx Updated Income Calc.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 04:33 | 2025-07-07 05:36 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Resolved-Updated from Lender to Other - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Open-Wire Transfer Fee (Fee ID: 171) is not allowed to be charged to the Borrower and paid to the Lender in xxxxxx under the xxxxxx Mortgage Loans, Fees, Obligations Provisions. The xxxxxx Mortgage Loans, Fees, Obligations Provisions do not allow this fee if paid to the lender instead of a third party provider. (xxxxxx 3:1-16.2. - Due Diligence Vendor-07/07/2025 |  | Resolved-Updated from Lender to Other - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 04:33 | 2025-07-07 05:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 416 and the Final Closing disclosure on Pg#'s 210 reflects escrows. Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533 , and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #251. The loan meets HPML guideline - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 416 and the Final Closing disclosure on Pg#'s 210 reflects escrows. Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533 , and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #251. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open-The loan's (8.909%) APR equals or exceeds the Federal HPML threshold of (8.2%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/07/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 416 and the Final Closing disclosure on Pg#'s 210 reflects escrows. Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533 , and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #251. The loan meets HPML guideline - Due Diligence Vendor-07/07/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 416 and the Final Closing disclosure on Pg#'s 210 reflects escrows. Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533 , and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #251. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-07/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 04:33 | 2025-07-07 05:32 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Resolved-Updated Lender to Other - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Open-Wire Transfer Fee (Fee ID: 171) is not allowed to be charged to the Borrower and paid to the Lender or Affiliate in xxxxxx under the xxxxxx Mortgage Loans, Fees, Obligations Provisions. The xxxxxx Mortgage Loans, Fees, Obligations Provisions do not allow this fee if paid to lender or affiliate instead of an unaffiliated third party provider. (xxxxxx 3:1-16.2. - Due Diligence Vendor-07/07/2025 |  | Resolved-Updated Lender to Other - Due Diligence Vendor-07/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 04:33 | 2025-07-07 05:31 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved-Updated Lender to Other - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Open-There are ($50.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-07/07/2025 |  | Resolved-Updated Lender to Other - Due Diligence Vendor-07/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 04:35 | 2025-07-07 05:30 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Loan Warehousing Fee (Fee ID: 120) | Resolved-Updated naming convention in Section C - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Open-Loan Warehousing Fee (Fee ID: 120) is not allowed to be charged to the Borrower and paid to the Affiliate or Provider in xxxxxx under the xxxxxx Mortgage Loans, Fees, Obligations Provisions. The xxxxxx Mortgage Loans, Fees, Obligations Provisions allow this fee to be paid only to the lender. (xxxxxx 3:1-16.2(a). - Due Diligence Vendor-07/07/2025 |  | Resolved-Updated naming convention in Section C - Due Diligence Vendor-07/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-07-07 04:33 | 2025-07-07 04:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Updated from Lender to Other and updated naming convention - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Wire Transfer Fee, Loan Warehousing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/07/2025 |  | Resolved-Updated from Lender to Other and updated naming convention - Due Diligence Vendor-07/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-06-30 03:39 | 2025-07-07 04:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-TRID: Missing Closing Disclosure Provided Initial CD, related COC and Disclosure Tracking Summary<br> - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Initial CD provided. Resolved - Due Diligence Vendor-07/07/2025 |  |  | xxxxxx CD docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-06-30 01:02 | 2025-07-07 00:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document provided. Resolved - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-Title Document is missing Provide Title Commitment - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Title Document provided. Resolved - Due Diligence Vendor-07/07/2025 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840120 | xxxxxx | D A | Closed | xxxxxx | 2025-06-30 01:15 | 2025-07-07 00:17 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Gap Credit Report within 10 days of Closing Date of xxxxxx - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-07/07/2025 |  |  | xxxxxx Gap.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838890 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-30 09:29 | 2025-08-11 12:40 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _247___ and the Final Closing disclosure on Pg#'s __126__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __277__ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __102___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/30/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.578%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _247___ and the Final Closing disclosure on Pg#'s __126__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __277__ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __102___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838890 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-30 09:29 | 2025-07-02 10:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-the COC was provided - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Missing the COC for the final CD showing the increase charges for the final inspection. Provide the missing COC. - Due Diligence Vendor-06/30/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-the COC was provided - Due Diligence Vendor-07/02/2025 |  |  | xxxxxx 6 5 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838890 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-30 09:29 | 2025-07-02 10:52 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-resolved - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _247___ and the Final Closing disclosure on Pg#'s __126__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __277__ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __102___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/30/2025 <br> Open-The loan's (9.578%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-resolved - Due Diligence Vendor-07/02/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _247___ and the Final Closing disclosure on Pg#'s __126__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __277__ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __102___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838890 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-27 12:49 | 2025-06-30 09:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-TRID: Missing Closing Disclosure Provide the initial CD and any COC's - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received the initial CD - Due Diligence Vendor-06/30/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838890 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-27 12:51 | 2025-06-30 09:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/30/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-06/27/2025 <br> Open-Exception in File: Min Subject Months Reserves in loan file is 2 per guidelines is 3. - Due Diligence Vendor-06/27/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-06/27/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/30/2025 | 1- 32.21% DTI - 50% maximum<br> 2- 767 FICO Score - 700 FICO score minimum | 1- 32.21% DTI - 50% maximum<br> 2- 767 FICO Score - 700 FICO score minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840134 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 06:09 | 2025-07-03 06:16 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 258 and the Final Closing disclosure on page 129 reflects escrows. Rate lock date was entered correctly – see page 292. An interior and exterior appraisal was completed for this property – see page 21, the appraisal disclosure was provided to the borrower(s)- see page 378 and copy of the appraisal was given to the borrower – see page 199-201. The loan meets HPML guidelines - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open-The loan's (9.779%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 258 and the Final Closing disclosure on page 129 reflects escrows. Rate lock date was entered correctly – see page 292. An interior and exterior appraisal was completed for this property – see page 21, the appraisal disclosure was provided to the borrower(s)- see page 378 and copy of the appraisal was given to the borrower – see page 199-201. The loan meets HPML guidelines - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840134 | xxxxxx | D A | Closed | xxxxxx | 2025-06-26 23:24 | 2025-07-03 06:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025 | Resolved-Revised LE's, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-07/03/2025 |  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840134 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 06:09 | 2025-07-03 06:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Added COC to Doc Tax Stamps/Transfer Taxes – State. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-Added COC to Doc Tax Stamps/Transfer Taxes – State. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840095 | xxxxxx | D A | Closed | xxxxxx | 2025-06-25 21:28 | 2025-07-02 06:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided hence resolved.<br> - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD missing in file - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Requested Initial CD Provided hence resolved.<br> - Due Diligence Vendor-07/02/2025 |  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840097 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-11 14:46 | 2025-08-11 14:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors. Qualifying Total Reserves Number of Months '4.99' cannot be less than Required Months of Subject Property Reserves '6'. , We have UW exception for the same. - Due Diligence Vendor-08/11/2025 | xxxxxx approves exception - ok to proceed. - 08/11/2025 <br>| Waived-Waived - Exception Waived with compensating factors. Qualifying Total Reserves Number of Months '4.99' cannot be less than Required Months of Subject Property Reserves '6'. , We have UW exception for the same. - Due Diligence Vendor-08/11/2025 | 1- 20.91% DTI - 43% DTI is the base. <br> 2- 5 months reserves - 3 months is the minimum this is a purchase | 1- 20.91% DTI - 43% DTI is the base. <br> 2- 5 months reserves - 3 months is the minimum this is a purchase |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840097 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-08 05:41 | 2025-07-08 05:47 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 380 and the Final Closing disclosure on Pg#'s 292, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 402. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/08/2025 <br> Open-The loan's (8.71%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 380 and the Final Closing disclosure on Pg#'s 292, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 402. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840097 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-27 08:18 | 2025-07-08 05:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/08/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839743 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 06:27 | 2025-08-11 12:53 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 338 and the Final Closing disclosure on Pg#'s 196 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360 An interior and exterior appraisal was completed for this property – see pg 25-60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 392 , and copy of the appraisal was given to the borrower – see Pg#'s 183 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.675%) equals or exceeds the xxxxxx HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 338 and the Final Closing disclosure on Pg#'s 196 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360 An interior and exterior appraisal was completed for this property – see pg 25-60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 392 , and copy of the appraisal was given to the borrower – see Pg#'s 183 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839743 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 06:27 | 2025-07-03 06:57 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 338 and the Final Closing disclosure on Pg#'s 196 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360 An interior and exterior appraisal was completed for this property – see pg 25-60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 392 , and copy of the appraisal was given to the borrower – see Pg#'s 183 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open-The loan's (8.675%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 338 and the Final Closing disclosure on Pg#'s 196 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360 An interior and exterior appraisal was completed for this property – see pg 25-60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 392 , and copy of the appraisal was given to the borrower – see Pg#'s 183 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839743 | xxxxxx | D A | Closed | xxxxxx | 2025-06-27 03:08 | 2025-07-03 06:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received all LEs, CD, COCs, and tracking disclosure documents. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-TRID: Missing Closing Disclosure Provide initial closing disclosure, all related COC's, and disclosure tracking summary. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received all LEs, CD, COCs, and tracking disclosure documents. - Due Diligence Vendor-07/03/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839743 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 06:27 | 2025-07-03 06:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Update fee from inspection to reinspection fee on final CD. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-Update fee from inspection to reinspection fee on final CD. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839743 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 06:27 | 2025-07-03 06:49 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved-Updated processing fee from lender to other. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open-There are ($995.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) . - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-Updated processing fee from lender to other. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841131 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-24 21:26 | 2025-07-11 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-07/10/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. CPA letter verifies xxxxxx had purchased xxxxxx in xxxxxx and is a DBA of xxxxxx. We have 2 Bank Statements May-2024 to October 2024 (6 Months), & opened new bank statements on October 2024, so October-2024 to March 2025 (6 Months). But in Income WS each bank statement is averaged by 11 months. Provide updated/corrected income WS/ 12 months of consecutive bank statements. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-07/10/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-07/11/2025 |  |  | Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841131 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-24 08:54 | 2025-07-11 02:02 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts and Loan safe connect docs is missing - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/10/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/11/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841131 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-30 12:54 | 2025-07-03 08:30 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Final DTI is 8.65/16.57 after updated docs and re-confirming. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-07/02/2025 <br> Open-DTI is off, 8.65/16.50 clients 1008 has 6.42/15.730 - the 1003 shows a couple of accounts being counted 2x. Please provide an updated dti calculation worksheet and 1003. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-07/02/2025<br>| Resolved-Final DTI is 8.65/16.57 after updated docs and re-confirming. - Due Diligence Vendor-07/03/2025 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841131 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-24 09:37 | 2025-07-03 08:15 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.365%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#362 and the Final Closing disclosure on Pg#217, Finding reflects escrows. Rate lock date was entered correctly – see Pg#382. An interior and exterior appraisal was completed for this property – see pg#36-70, the appraisal disclosure was provided to the borrower(s)- see Pg#33-34, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/03/2025 <br> Open-The loan's (9.365%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/03/2025 <br> Ready for Review-This condition states it is 'resolved' at the end of the condition. Please clear or advise. - Seller-07/01/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Resolved-The loan's (9.365%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#362 and the Final Closing disclosure on Pg#217, Finding reflects escrows. Rate lock date was entered correctly – see Pg#382. An interior and exterior appraisal was completed for this property – see pg#36-70, the appraisal disclosure was provided to the borrower(s)- see Pg#33-34, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 | Ready for Review-This condition states it is 'resolved' at the end of the condition. Please clear or advise. - Seller-07/01/2025 | Resolved-The loan's (9.365%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#362 and the Final Closing disclosure on Pg#217, Finding reflects escrows. Rate lock date was entered correctly – see Pg#382. An interior and exterior appraisal was completed for this property – see pg#36-70, the appraisal disclosure was provided to the borrower(s)- see Pg#33-34, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/03/2025 <br> Resolved-The loan's (9.365%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#362 and the Final Closing disclosure on Pg#217, Finding reflects escrows. Rate lock date was entered correctly – see Pg#382. An interior and exterior appraisal was completed for this property – see pg#36-70, the appraisal disclosure was provided to the borrower(s)- see Pg#33-34, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/24/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841131 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-24 09:37 | 2025-07-03 08:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xxxxxx) | Resolved- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. COC for reduced lender credit due to a lock extension - Seller-07/01/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($2,220.00). The Last CD shows a total lender credit amount of ($2,145.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credit was Decreased from initial CD amount $2220 to Final CD amount $2145 , COC not provided<br> - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. COC for reduced lender credit due to a lock extension - Seller-07/01/2025 | Resolved- - Due Diligence Vendor-07/03/2025 |  |  | xxxxxx COC LOCK EXT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841131 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-24 08:39 | 2025-07-01 03:07 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-07/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-06/30/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in the file - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-06/30/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-07/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/01/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840878 | xxxxxx | D A | Closed | xxxxxx | 2025-06-26 02:22 | 2025-06-30 03:12 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-xxxxxx SSR with Acceptable Score provided. - Due Diligence Vendor-06/30/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-06/27/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-06/27/2025 | Resolved-xxxxxx SSR with Acceptable Score provided. - Due Diligence Vendor-06/30/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/30/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840878 | xxxxxx | D A | Closed | xxxxxx | 2025-06-26 02:54 | 2025-06-27 13:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.043%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 454 and the Final Closing disclosure on page # 269-273 reflects escrows. Rate lock date was entered correctly – see page # 477. An interior and exterior appraisal was completed for this property – see page # 26-66 and the appraisal disclosure was provided to the borrower(s)- see page # 24, 251 and confirmation the appraisal was delivered to the borrower(s) - see page # 24, 25. The loan meets HPML guidelines. - Due Diligence Vendor-06/26/2025 <br> Open- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/26/2025 <br> Open- - Due Diligence Vendor-06/26/2025 |  | Resolved-The loan's (9.043%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 454 and the Final Closing disclosure on page # 269-273 reflects escrows. Rate lock date was entered correctly – see page # 477. An interior and exterior appraisal was completed for this property – see page # 26-66 and the appraisal disclosure was provided to the borrower(s)- see page # 24, 251 and confirmation the appraisal was delivered to the borrower(s) - see page # 24, 25. The loan meets HPML guidelines. - Due Diligence Vendor-06/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841397 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840087 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-08-08 07:41 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-Per External Counsel, appropriate to waive. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Acknowledged-The loan's (9.737%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.92%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel, acknowledge as a Grade B - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Waived-Per External Counsel, appropriate to waive. - Due Diligence Vendor-08/08/2025 <br> Acknowledged-The loan's (9.737%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.92%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel, acknowledge as a Grade B - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 840087 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 05:12 | 2025-07-10 08:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised CD's dated xxxxxx and COC - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Counter-Provide Revised CD's dated xxxxxx at 1:33 pm and xxxxxx at 3:06 pm and there related COC's - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Counter-Unable to open PDF. Please Re-upload - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-TRID: Missing Closing Disclosure Provide initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Received Revised CD's dated xxxxxx and COC - Due Diligence Vendor-07/10/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx CD.pdf<br> xxxxxx 6 10.pdf<br> xxxxxx 6 10 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840087 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-07-10 08:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xxxxxx) | Resolved-Updated Lender Credit iao $60.00 on Final CD - Due Diligence Vendor-07/10/2025 <br> Resolved- - Due Diligence Vendor-07/10/2025 <br> Rescinded- - Due Diligence Vendor-07/10/2025 <br> Rescinded-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($60.00) were applied to the total fee variance of ($200.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Initial CD is missing condition added for initial CD incorrectly xxxxxx performed - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-Updated Lender Credit iao $60.00 on Final CD - Due Diligence Vendor-07/10/2025 <br> Rescinded-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($60.00) were applied to the total fee variance of ($200.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Initial CD is missing condition added for initial CD incorrectly xxxxxx performed - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840087 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-07-10 09:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.737%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 282 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 293. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 339 and copy of the appraisal was given to the borrower – see page 153. The loan meets HPML guidelines. - Due Diligence Vendor-07/10/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 282 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 293. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 339 and copy of the appraisal was given to the borrower – see page 153. The loan meets HPML guidelines. - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-The loan's (9.737%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 282 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 293. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 339 and copy of the appraisal was given to the borrower – see page 153. The loan meets HPML guidelines. - Due Diligence Vendor-07/10/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 282 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 293. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 339 and copy of the appraisal was given to the borrower – see page 153. The loan meets HPML guidelines. - Due Diligence Vendor-07/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840093 | xxxxxx | C A | Closed | xxxxxx | 2025-07-02 01:25 | 2025-07-08 10:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-the COC was provided to solve the missing condition - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-The total amount of the 10% category fees ($930.50) has increased by more than 10% over the current baseline value of ($641.00). The total amount of fees in the 10% category cannot exceed ($705.10). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording fees are increased more than 10% in final CD but we have no COC for the same, we need COC for the increased recording fees. - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-the COC was provided to solve the missing condition - Due Diligence Vendor-07/08/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840130 | xxxxxx | D A | Closed | xxxxxx | 2025-07-01 01:30 | 2025-07-14 00:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Final 1003 with Borrower 1 signed date as xxxxxx provided.<br> - Due Diligence Vendor-07/14/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-The Final 1003 is Incomplete Borrower 1 signed date under final 1003 as 06/24/2026, it needs to update as 06/24/2025. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Final 1003 with Borrower 1 signed date as 06.24.2025 provided.<br> - Due Diligence Vendor-07/14/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840130 | xxxxxx | D A | Closed | xxxxxx | 2025-07-09 06:05 | 2025-07-09 06:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Updated Closing Disclosure Broker Fee to $3711.26 - Due Diligence Vendor-07/09/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/09/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 |  | Resolved-Updated Closing Disclosure Broker Fee to $3711.26 - Due Diligence Vendor-07/09/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/09/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840130 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:45 | 2025-07-09 06:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-07/09/2025 |  |  | 5 21 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840130 | xxxxxx | D A | Closed | xxxxxx | 2025-07-01 01:26 | 2025-07-08 05:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised Revised LE dated xxxxxx, Initial CD dated xxxxxx, COC's and Disclosure Tracking Summary - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Revised Revised LE dated xxxxxx, Initial CD dated xxxxxx, COC's and Disclosure Tracking Summary - Due Diligence Vendor-07/08/2025 |  |  | Disclosure items.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840130 | xxxxxx | D A | Closed | xxxxxx | 2025-07-01 00:38 | 2025-07-08 03:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/08/2025 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Purchase Contract is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/08/2025 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-07/08/2025 |  |  | Contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840089 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-07 07:31 | 2025-08-11 09:22 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception Waived with compensating factors. Exception Approved - Due Diligence Vendor-08/11/2025 <br> Open-Per Matrix general requirements for Bank Statement documentation, borrower must be Self Employed for a minimum of 2 years and Business being used to source income must be in existence for a minimum of 2 years. Per Final 1003, the Business Search page 149, xxxpedia page 152 and Self Employment Business Narrative dated 6/11/2025 page 271, borrower has been Self Employed since xxxxxx and the sourced income has been in existence for less than 2 years. Provide an exception for both. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Waived-Waived-Exception Waived with compensating factors. Exception Approved - Due Diligence Vendor-08/11/2025 | Credit Score - Loan File 734, GL Requirement Min 700<br> Residual Income - Loan File $7,364.83, GL Requirement $1500<br> DTI Loan File 32.37%, GL Requirement FTHB 43% without 12 month rental history | Credit Score - Loan File 734, GL Requirement Min 700<br> Residual Income - Loan File $7,364.83, GL Requirement $1500<br> DTI Loan File 32.37%, GL Requirement FTHB 43% without 12 month rental history | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840089 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-30 04:34 | 2025-07-08 07:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Revised closing disclosure issued on xxxxxx is not signed by borrower. Provide Disclosure Tracking Summary or executed closing disclosure. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-07/08/2025 |  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840088 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 04:05 | 2025-08-11 14:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Provide COC or Lender Credit to cure tolerance variance. - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 <br> Open-The total amount of the 10% category fees ($90.00) has increased by more than 10% over the current baseline value of ($60.00). The total amount of fees in the 10% category cannot exceed ($66.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 | COC dated xxxxxx provided with change of recording fee amount. | COC dated xxxxxx provided with change of recording fee amount. | xxxxxx 5 7 CC.pdf<br> xxxxxx 6 20 CC.pdf<br> xxxxxx 6 2 CC.pdf<br> xxxxxx 5 29 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840088 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 04:05 | 2025-08-11 14:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Added Revised LE dated xxxxxx and COC dated xxxxxx. Resolved - Due Diligence Vendor-07/11/2025 <br> Resolved- - Due Diligence Vendor-07/11/2025 <br> Open-No COC or lender Credits provided to cure the tolerance.<br> - Due Diligence Vendor-07/11/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/11/2025 |  | Resolved-Added Revised LE dated xxxxxx and COC dated xxxxxx. Resolved - Due Diligence Vendor-07/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840088 | xxxxxx | D A | Closed | xxxxxx | 2025-07-06 22:56 | 2025-07-11 07:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/11/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Evidence of Rate Lock Missing Lock confirmation and loan approval is missing in the file. Provide loan approval and rate lock confirmation. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/11/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/11/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840088 | xxxxxx | D A | Closed | xxxxxx | 2025-07-06 22:56 | 2025-07-11 04:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing disclosure is missing in the file. Provide initial closing disclosure, COC, and tracking disclosure summary. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-07/11/2025<br>|  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841427 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:38 | 2025-08-11 14:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/08/2025 |  | Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br>Resolved- - Due Diligence Vendor-07/08/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841427 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:38 | 2025-08-11 14:28 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Open-There are ($155.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-07/08/2025 |  | Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br>Resolved- - Due Diligence Vendor-07/08/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841427 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:38 | 2025-08-11 13:20 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _241___ and the Final Closing disclosure on Pg#'s _106___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _296____ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_326__ , and copy of the appraisal was given to the borrower – see Pg#'s _305____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.876%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/08/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _241___ and the Final Closing disclosure on Pg#'s _106___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _296____ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_326__ , and copy of the appraisal was given to the borrower – see Pg#'s _305____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841427 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:38 | 2025-07-08 10:49 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _241___ and the Final Closing disclosure on Pg#'s _106___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _296____ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_326__ , and copy of the appraisal was given to the borrower – see Pg#'s _305____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open-The loan's (8.876%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/08/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _241___ and the Final Closing disclosure on Pg#'s _106___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _296____ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_326__ , and copy of the appraisal was given to the borrower – see Pg#'s _305____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841427 | xxxxxx | D A | Closed | xxxxxx | 2025-06-27 12:54 | 2025-07-08 05:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd Missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Is missing In File. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Initial Cd Missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/08/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840116 | xxxxxx | A | Closed | xxxxxx | 2025-06-30 03:48 | 2025-06-30 06:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.309%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#422-423 and the Final Closing disclosure on Pg#124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'446-451. An interior and exterior appraisal was completed for this property – see pg 23-50, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 207, 523, and confirmation the appraisal was delivered to the borrower – see Pg#'s 207, 523. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-The loan's (9.309%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#422-423 and the Final Closing disclosure on Pg#124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'446-451. An interior and exterior appraisal was completed for this property – see pg 23-50, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 207, 523, and confirmation the appraisal was delivered to the borrower – see Pg#'s 207, 523. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841428 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-27 05:30 | 2025-07-03 11:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Open Current Charge offs | Waived-Exception Waived with compensating factors.Open-Guides require charge-offs >$2,500 be paid in full. Charge off balance is $13,688 per email from the company (timeshare). Bwr is on a payment plan with 11 pymts left at $1,244. Bwr wants to continue on pymt plan and it is included in the DTI. <br> Exception on page 441. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-07/02/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-07/02/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-07/03/2025 | 1- Residual Income is $31072.58. Minimum Residual Income is $2500. <br> 2- 80% LTV - 85% maximum<br> 3- 31.94% DTI - 50% DTI maximum | 1- Residual Income is $31072.58. Minimum Residual Income is $2500. <br> 2- 80% LTV - 85% maximum<br> 3- 31.94% DTI - 50% DTI maximum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 11:58 | 2025-07-14 10:52 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Account acct ending -3578 had $33,446 on 6/2/2025-before the 35k, 25k, 37k gifts, which is more than the 5% borrower contribution requirement. <br> The 35k EMD gift was to/from the acct ending -0861 on 4/7/2025.<br> Need pages 1-4 of FInal CD - Due Diligence Vendor-07/10/2025 <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. The xxxxxx account had $33,446 on 6/3-before the 35k, 25k, 37k gifts, which is more than the 5%. The 35k EMD gift was to/from the xxxxxx account on 4/7. - Seller-07/09/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Borrower Contribution is 0%. Per Matrix, • Primary with verified housing history: 5% of sales price (or) • Primary with unverified housing history: 10% of sales price. Gift Funds iao $132,000 are all from Relatives including EMD iao $35,000 on page 380, 694. Provide Exception<br> - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. The xxxxxx account had $33,446 on 6/3-before the 35k, 25k, 37k gifts, which is more than the 5%. The 35k EMD gift was to/from the xxxxxx account on 4/7. - Seller-07/09/2025 | Resolved-Account acct ending -3578 had $33,446 on 6/2/2025-before the 35k, 25k, 37k gifts, which is more than the 5% borrower contribution requirement. <br> The 35k EMD gift was to/from the acct ending -0861 on 4/7/2025.<br> Need pages 1-4 of FInal CD - Due Diligence Vendor-07/10/2025 <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/10/2025 | 1.Residual Income is $12808.48. Minimum Residual Income required per guidelines is $2500. <br> 2.Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 1X30, 12 months.<br> 3.Borrower consumer payment History is 0X30, 12 months. Housing History required per guidelines is 0X60, 12 months. | 1.Residual Income is $12808.48. Minimum Residual Income required per guidelines is $2500. <br> 2.Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 1X30, 12 months.<br> 3.Borrower consumer payment History is 0X30, 12 months. Housing History required per guidelines is 0X60, 12 months. | xxxxxx Account.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-14 06:53 | 2025-07-14 10:25 | Resolved | 1 - Information A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- HOA Transfer (Fee ID: 998) | Resolved-Updated naming convention Final CD and PCCD - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Updated naming convention Final CD and PCCD - Due Diligence Vendor-07/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-14 06:47 | 2025-07-14 10:25 | Resolved | 1 - Information A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- HOA Capital Contribution (Fee ID: 998) | Resolved-Updated naming convention Final CD and PCCD - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Updated naming convention Final CD and PCCD - Due Diligence Vendor-07/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-01 04:22 | 2025-07-14 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD received in Closing Pkg. Signature page of Final CD on page 802 - Due Diligence Vendor-07/14/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/14/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Counter-The Mortgage and Note are dated xxxxxx. The mortgage also reflects a notarized date of xxxxxx. The Closing Disclosure (PCCD) on page 797-801 was issued on xxxxxx at 8:36 am with a Closing Date and Disbursement Date of xxxxxx. It was also signed by the borrower on xxxxxx page 801 (page 5 of 5). There is a CD signature page on page 802 (page 5 of 5) that was issued on xxxxxx at 2:24 pm; however, pages 1-4 are missing. Provide pages 1-4 for the CD issued on xxxxxx that corresponds with the CD signature page on 802 - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Revised CD dated xxxxxx received - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. xxxxxx is the closing CD, already uploaded with the closing documents. - Seller-07/09/2025 <br> Counter-Provide the Final CD dated xxxxxx, the Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-TRID: Missing Final Closing Disclosure Provide Final and Initial CD's, related COC's and Disclosure Tracking Summary - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Ready for Review-Document Uploaded. xxxxxx is the closing CD, already uploaded with the closing documents. - Seller-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 | Resolved-Final CD received in Closing Pkg. Signature page of Final CD on page 802 - Due Diligence Vendor-07/14/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/14/2025 |  |  | xxxxxx CD Items.pdf<br> xxxxxx 6 11.pdf<br> Original closing docs.pdf<br> Revised Closing CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-14 06:47 | 2025-07-14 09:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xxxxxx) | Resolved-Updated Revised CD and Final CD Broker Fees and Loan Discounts Fees - Due Diligence Vendor-07/14/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($9.50) were applied to the total fee variance of ($1,299.35) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($19.00) were applied to the total fee variance of ($1,299.35) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Updated Revised CD and Final CD Broker Fees and Loan Discounts Fees - Due Diligence Vendor-07/14/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/14/2025 | . | . |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-14 06:53 | 2025-07-14 07:04 | Resolved | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-14 06:53 | 2025-07-14 07:04 | Resolved | A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 12:02 | 2025-07-09 05:17 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved- 12 months rental housing history received - Due Diligence Vendor-07/09/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide evidence of 12 months rental housing history - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved- 12 months rental housing history received - Due Diligence Vendor-07/09/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/09/2025 |  |  | VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 10:46 | 2025-07-09 05:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/09/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Evidence of Rate Lock Missing Provie Confirmation of Rate Lock - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/09/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/09/2025 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-14 06:47 | 2025-07-14 07:14 | Resolved | 1 - Information A | Compliance | TRID | Federal - Corrected Closing Disclosure Prior Disclosed APR and Last CD Not In Person | Resolved-Updated Final CD - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-07/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840092 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-14 06:47 | 2025-07-14 07:14 | Resolved | 1 - Information A | Compliance | TRID | Federal - Corrected Closing Disclosure Prior and (Last CD Not In Person)(APR) | Resolved-Updated Final CD - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-07/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838883 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:12 | 2025-07-09 10:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 191 and the Final Closing disclosure on Pg#'s 80, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s FINDINGS. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 291, and confirmation the appraisal was delivered to the borrower – see Pg#'s 111. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/08/2025 <br> Open-The loan's (8.612%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 |  | Resolved-. - Due Diligence Vendor-07/09/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 191 and the Final Closing disclosure on Pg#'s 80, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s FINDINGS. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 291, and confirmation the appraisal was delivered to the borrower – see Pg#'s 111. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838883 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 05:12 | 2025-07-09 10:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Received the COC to account for the increase in discount points - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Points - Loan Discount Fee increased to $1012.55 in final CD, However there is no COC to cure the tolerance - Due Diligence Vendor-07/08/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Received the COC to account for the increase in discount points - Due Diligence Vendor-07/09/2025 |  |  | xxxxxx 6 18 CC.pdf<br> xxxxxx 5 21 CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838883 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 12:33 | 2025-07-08 10:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/08/2025 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838883 | xxxxxx | D A | Closed | xxxxxx | 2025-06-30 05:01 | 2025-07-08 05:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/08/2025 |  |  | CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840968 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-28 11:29 | 2025-07-10 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/10/2025 <br> Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-07/03/2025 <br> Open-Borrower 1 Gap Credit Report is Missing • Borrower 1 Gap Credit Report is missing. - Due Diligence Vendor-06/28/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-07/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/10/2025 <br> Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/07/2025 |  |  | GAP Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840968 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-28 22:18 | 2025-07-10 09:14 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-Waiving the Finding to an EV2. Data inputs between the Lender's xxxxxx and xxxxxx are the same, however each report generated a different APR. The difference between the APRs was only 0.0325%, and xxxxxx Rate Spread failed by only 0.0095%. - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Correct CE - Seller-07/09/2025 <br> Counter-Per the attached xxxxxx report, the loan amount (xxxxxx), the interest rate (xxxxxx%), and the loan term (360 months) are all correct. However, it is generating an incorrect P&I payment of $xxxxxx in the Payment Schedule. That does not match the Note or the PCCD of xxxxxx. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. PCCD attached, which shows the calculated APR of 8.347%, vs xxxxxx figure of 8.379% <br> Also attached CE pass on our end that was rerun to make sure the PCCD figures still result in a pass and they do.<br> - Seller-07/01/2025 <br> Open-The loan's (8.38%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.87%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) • The loan's calculated APR from the PCCD of 8.379% with a HMDA Benchmark Rate (APOR) of 6.870% causes a variance of 1.509%, which exceeds the HMDA Rate Spread threshold of 1.500%. - Due Diligence Vendor-06/29/2025  | Ready for Review-Document Uploaded. Correct CE - Seller-07/09/2025 <br> Ready for Review-Document Uploaded. PCCD attached, which shows the calculated APR of 8.347%, vs Selene's figure of 8.379% <br> Also attached CE pass on our end that was rerun to make sure the PCCD figures still result in a pass and they do.<br> - Seller-07/01/2025 | Waived-Waiving the Finding to an EV2. Data inputs between the Lender's xxxxxx and xxxxxx are the same, however each report generated a different APR. The difference between the APRs was only 0.0325%, and xxxxxx Rate Spread failed by only 0.0095%. - Due Diligence Vendor-07/10/2025 |  |  | Post-Closing.pdf<br> download (1).pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840968 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-29 22:01 | 2025-07-02 11:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Waived with compensating factors.-Exception Approval received:<br> "Exception is to allow borrower to go from stating that he rents and pays $1500 a month to updating to support living rent free. There is a letter from the credit reporting agency stating that our borrower is not on the lease; he is only showing as occupant. Borrower can't provide a private VOR & 6 months evidence that he pays a specific amount of rent each month. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Exception on Rent Free - Seller-07/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements • As per the Final 1003, Borrower lives with No Primary Expenses, but a supporting document or LOX from the property owner of that residence is missing from the file. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Exception on Rent Free - Seller-07/02/2025 | Waived-Exception Approval received:<br> "Exception is to allow borrower to go from stating that he rents and pays $1500 a month to updating to support living rent free. There is a letter from the credit reporting agency stating that our borrower is not on the lease; he is only showing as occupant. Borrower can't provide a private VOR & 6 months evidence that he pays a specific amount of rent each month. - Due Diligence Vendor-07/02/2025 | (1) DTI of 12.08% is below the guideline of 50% by 37.92%.<br> (2) Six years in current job.<br> (3) $23,158 in Residual Income.<br> (4) $19k in Reserves (6.88 months).<br> (5) FICO score of 763 is above the minimum of 740 by 23 points. | (1) DTI of 12.08% is below the guideline of 50% by 37.92%.<br> (2) Six years in current job.<br> (3) $23,158 in Residual Income.<br> (4) $19k in Reserves (6.88 months).<br> (5) FICO score of 763 is above the minimum of 740 by 23 points. | Exception on Rent Free.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840968 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-28 11:58 | 2025-07-02 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Alerts have been cleared. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/02/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-06/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/02/2025<br>| Resolved-All Fraud Alerts have been cleared. - Due Diligence Vendor-07/02/2025<br>|  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840968 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-28 22:28 | 2025-07-02 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Corrected 1008 received. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/02/2025 <br> Open-The 1008 document is missing from the loan file. • The provided 1008 discloses monthly property taxes of xxxxxx. However, the Final CD, First Payment Letter, and Initial Escrow show the monthly property taxes to be xxxxxx. The 1008 discloses a wrong amount. - Due Diligence Vendor-06/29/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/02/2025<br>| Resolved-Corrected 1008 received. - Due Diligence Vendor-07/02/2025<br>|  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840968 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-28 22:18 | 2025-07-10 06:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.38%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s307 and the Final Closing disclosure on Pg#'s169, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s324,312,152. An interior and exterior appraisal was completed for this property – see pg#'s27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s25,26. and confirmation the appraisal was delivered to the borrower – see Pg#'s336. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/29/2025  |  | Resolved-The loan's (8.38%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s307 and the Final Closing disclosure on Pg#'s169, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s324,312,152. An interior and exterior appraisal was completed for this property – see pg#'s27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s25,26. and confirmation the appraisal was delivered to the borrower – see Pg#'s336. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 03:57 | 2025-08-11 13:00 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 326 and the Final Closing disclosure on Pg#'s 151, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s FINDINGS. An interior and exterior appraisal was completed for this property – see pg 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 433, and confirmation the appraisal was delivered to the borrower – see Pg#'s 370. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.601%) equals or exceeds the xxxxxx HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/11/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 326 and the Final Closing disclosure on Pg#'s 151, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s FINDINGS. An interior and exterior appraisal was completed for this property – see pg 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 433, and confirmation the appraisal was delivered to the borrower – see Pg#'s 370. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-02 22:42 | 2025-07-11 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Shouldn't be needed since we have the actual transcripts. - Seller-07/11/2025 <br> Open-Borrower 2 Executed 4506-T Missing Provided 4506-T Not Addressed to the line 6, 7, 8 - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Shouldn't be needed since we have the actual transcripts. - Seller-07/11/2025<br>| Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/11/2025<br>|  |  | xxxxxx transcripts.pdf<br> xxxxxx Transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 00:13 | 2025-07-11 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Borrower 1 Executed 4506-T Missing Provided 4506-T not Addressed to the line 6, 7, 8 - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/11/2025<br>|  |  | xxxxxx transcripts.pdf<br> xxxxxx Transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-02 23:24 | 2025-07-11 10:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-documentation of the funds for closing was provided - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Net proceeds from sales are used,but there is no wire transfer proof and settlement agent and seller or borrower not signed to the settlement statement. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-documentation of the funds for closing was provided - Due Diligence Vendor-07/11/2025<br>|  |  | Proof of funds.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-02 23:36 | 2025-07-11 04:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Requested ITIN information provided through ITIN Card hence resolved the condition. - Due Diligence Vendor-07/11/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. As per page 647, Borrower 1 is ITIN holder but ITIN cer is missing in the file, if Borrower 1 not a ITIN holder required EAD card - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Requested ITIN information provided through ITIN Card hence resolved the condition. - Due Diligence Vendor-07/11/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/11/2025<br>|  |  | ITIN Card.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 00:00 | 2025-07-11 04:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing disclosure is missing in the file - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/11/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 03:57 | 2025-07-11 04:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 326 and the Final Closing disclosure on Pg#'s 151, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s FINDINGS. An interior and exterior appraisal was completed for this property – see pg 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 433, and confirmation the appraisal was delivered to the borrower – see Pg#'s 370. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br> Open-The loan's (8.601%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/11/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 326 and the Final Closing disclosure on Pg#'s 151, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s FINDINGS. An interior and exterior appraisal was completed for this property – see pg 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 433, and confirmation the appraisal was delivered to the borrower – see Pg#'s 370. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840126 | xxxxxx | D A | Closed | xxxxxx | 2025-07-03 00:03 | 2025-07-11 03:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock confirmation doc provided. Resolved - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Evidence of Rate Lock Missing Lock confirmation is missing in the file - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Lock confirmation doc provided. Resolved - Due Diligence Vendor-07/11/2025<br>|  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841041 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-07 09:48 | 2025-07-09 06:08 | Resolved | 1 - Information C A | Compliance | Compliance | TRID violation; revised Loan Estimate not issued for rate lock. | Resolved-Revised LE and COC provided. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Provide the Revised LE dated on or about xxxxxx for the rate lock dated xxxxxx and disclosure tracking summary. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Revised LE and COC provided. - Due Diligence Vendor-07/09/2025<br>|  |  | xxxxxx Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841041 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-07 13:03 | 2025-07-09 05:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-1003 with marital status as married received and resolved. - Due Diligence Vendor-07/09/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-The Final 1003 is Missing Final 1003 is present but reflects marital status as Unmarried; however DOT reflects xxxxxx AND xxxxxx, HUSBAND AND WIFE. Provide updated 1003 with correct marital status.<br> - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-1003 with marital status as married received and resolved. - Due Diligence Vendor-07/09/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/09/2025<br>|  |  | xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841041 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-03 03:38 | 2025-07-07 13:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception Waived with compensating factors.-Exception page 378<br> Exception Reason- OTHER - ack of VOR to accompany 12 months cancelled checks pages 161-172 for the housing history. Lease agreement in file page 333 |  | Waived-Exception page 378<br> Exception Reason- OTHER - ack of VOR to accompany 12 months cancelled checks pages 161-172 for the housing history. Lease agreement in file page 333<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/03/2025<br>| DTI- Loan File 6.77%, GL Requirement Max 50%<br> Credit Score - Loan File 722, GL Requirement Min 700<br> Residual Income - Loan File $36,061.29, GL Requirement $2500 | DTI- Loan File 6.77%, GL Requirement Max 50%<br> Credit Score - Loan File 722, GL Requirement Min 700<br> Residual Income - Loan File $36,061.29, GL Requirement $2500 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841041 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-03 03:32 | 2025-07-09 08:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-resolved - Due Diligence Vendor-07/09/2025 <br> Rescinded-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 323 and the Final Closing disclosure on Pg#'s 179 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 21-46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 416, and copy of the appraisal was given to the borrower – see Pg#'s 374 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/09/2025 <br> Open-The loan's (9.56%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open-The loan's (9.628%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Resolved-The loan's (9.56%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 323 and the Final Closing disclosure on Pg 179 reflects escrows. Rate lock date was entered correctly – see Pg 157 An interior and exterior appraisal was completed for this property – see pg 40 to 44 the appraisal disclosure was provided to the borrower(s)- see Pg 350, 416, and copy of the appraisal was given to the borrower – see Pg 374 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-resolved - Due Diligence Vendor-07/09/2025 <br> Rescinded-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 323 and the Final Closing disclosure on Pg#'s 179 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 21-46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 416, and copy of the appraisal was given to the borrower – see Pg#'s 374 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/09/2025 <br> Resolved-The loan's (9.56%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 323 and the Final Closing disclosure on Pg 179 reflects escrows. Rate lock date was entered correctly – see Pg 157 An interior and exterior appraisal was completed for this property – see pg 40 to 44 the appraisal disclosure was provided to the borrower(s)- see Pg 350, 416, and copy of the appraisal was given to the borrower – see Pg 374 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841403 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841409 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 05:45 | 2025-07-21 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved, received the corrected 1008 with the correct loan amount, DTI, LTV, and payment amount. - Due Diligence Vendor-07/21/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-1008 Document is Missing Missing 1008 with the loan amount of xxxxxx, correct Ltv, and DTI. Please provide updated 1008. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Resolved, received the corrected 1008 with the correct loan amount, DTI, LTV, and payment amount. - Due Diligence Vendor-07/21/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/21/2025<br>|  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841409 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 05:44 | 2025-07-21 07:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, Received initial CD, revised CD's, revised LE's, COC's, and disclosure tracking summary. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-TRID: Missing Closing Disclosure Missing initial CD. Provide CD's, COC's, and tracking summary. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Resolved, Received initial CD, revised CD's, revised LE's, COC's, and disclosure tracking summary. - Due Diligence Vendor-07/21/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841409 | xxxxxx | D A | Closed | xxxxxx | 2025-07-13 21:52 | 2025-07-17 05:11 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated title commitment with coverage amount of xxxxxx that now covers the loan amount. - Due Diligence Vendor-07/17/2025 <br> Resolved-Title coverage is Less than Loan amount, provided Updated title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount of xxxxxx. Missing updated or final title policy. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received updated title commitment with coverage amount of xxxxxx that now covers the loan amount. - Due Diligence Vendor-07/17/2025 <br> Resolved-Title coverage is Less than Loan amount, provided Updated title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/17/2025 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841406 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 05:33 | 2025-07-17 04:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. COC for the appraisal fee iao $1010 received. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Provide COC for the increase in the Appraisal Fee iao $1010 on the Final CD - Due Diligence Vendor-07/15/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Resolved. COC for the appraisal fee iao $1010 received. - Due Diligence Vendor-07/17/2025<br>|  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841406 | xxxxxx | D A | Closed | xxxxxx | 2025-07-14 11:28 | 2025-07-15 05:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, Revised LE dated xxxxxx, Initial CD dated xxxxxx and COC received. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-Resolved, Revised LE dated xxxxxx, Initial CD dated xxxxxx and COC received. - Due Diligence Vendor-07/15/2025 |  |  | xxxxxx Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840333 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 15:00 | 2025-08-11 13:05 | Resolved | 1 - Information C A | Compliance | HigherRisk:APR | xxxxxx - Nonprime Home Loan (First Lien) (xxxxxx) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _456___ and the Final Closing disclosure on Pg#'s _331___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _482____ An interior and exterior appraisal was completed for this property – see pg _48___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_382__ , and copy of the appraisal was given to the borrower – see Pg#'s _316____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-This is a xxxxxx Nonprime Home Loan. The loan's (8.617%) APR equals or exceeds the xxxxxx Nonprime Home Loan threshold of (8.38%). The difference is (0.237). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%). (xxxxxx Gen. Stat. 36a-760(a)(7)) open - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _456___ and the Final Closing disclosure on Pg#'s _331___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _482____ An interior and exterior appraisal was completed for this property – see pg _48___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_382__ , and copy of the appraisal was given to the borrower – see Pg#'s _316____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840333 | xxxxxx | D A | Closed | xxxxxx | 2025-07-11 15:58 | 2025-07-15 15:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD along with the COC's - Resolved - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-TRID: Missing Closing Disclosure Missing the initial CD and any COC's associated - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-Received the initial CD along with the COC's - Resolved - Due Diligence Vendor-07/15/2025<br>|  |  | xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840333 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 15:00 | 2025-07-15 15:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _456___ and the Final Closing disclosure on Pg#'s _331___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _482____ An interior and exterior appraisal was completed for this property – see pg _48___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_382__ , and copy of the appraisal was given to the borrower – see Pg#'s _316____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-The loan's (8.617%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _456___ and the Final Closing disclosure on Pg#'s _331___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _482____ An interior and exterior appraisal was completed for this property – see pg _48___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_382__ , and copy of the appraisal was given to the borrower – see Pg#'s _316____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840333 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 15:00 | 2025-07-15 15:07 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | xxxxxx - Interest Rate Accrual (10/15) | Resolved-resolved by correcting entries on the final CD - Due Diligence Vendor-07/15/2025 <br> Resolved- - Due Diligence Vendor-07/15/2025 <br> Open-The xxxxxx Truth in Lending Act prohibits the accrual of interest prior to the expiration of the 3-business day rescission period on a non-purchase money loan secured by a xxxxxx unit primary residence. Interest on this loan begins to accrue on (xxxxxx) which is prior to the expiration of the 3-business day rescission period of (xxxxxx). (xxxxxx Gen. Stat. 36a-683(j)(4)(A); 15 USC 1601 et seq.) open - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Resolved-resolved by correcting entries on the final CD - Due Diligence Vendor-07/15/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840333 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 15:00 | 2025-07-15 15:07 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | xxxxxx - Interest Rate Accrual (CT TIL) | Resolved-Resolved by correcting the entries on the final CD. - Due Diligence Vendor-07/15/2025 <br> Resolved- - Due Diligence Vendor-07/15/2025 <br> Open-The xxxxxx Truth in Lending Act prohibits the accrual of interest prior to the loan disbursement date on a non-purchase money loan secured by a xxxxxx unit primary residence. Interest on this loan begins to accrue on (xxxxxx) which is prior to the loan disbursement date of (xxxxxx). (xxxxxx Gen. Stat. 36a-683(j)(4)(A); 15 USC 1601 et seq.) open - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Resolved-Resolved by correcting the entries on the final CD. - Due Diligence Vendor-07/15/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840115 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-11 04:21 | 2025-07-16 08:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-resolved - Due Diligence Vendor-07/16/2025 <br> Resolved-resolved - Due Diligence Vendor-07/16/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1006 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1027. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1064-1065, and confirmation the appraisal was delivered to the borrower – see Pg# 17 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025 <br> Open-. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Rescinded-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1006 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1027. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1064-1065, and confirmation the appraisal was delivered to the borrower – see Pg# 17 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025 <br> Open-. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1006 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1027. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1064-1065, and confirmation the appraisal was delivered to the borrower – see Pg# 17 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br> Open-The loan's (10.121%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/11/2025 |  | Resolved-resolved - Due Diligence Vendor-07/16/2025 <br> Resolved-resolved - Due Diligence Vendor-07/16/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1006 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1027. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1064-1065, and confirmation the appraisal was delivered to the borrower – see Pg# 17 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025 <br> Rescinded-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1006 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1027. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1064-1065, and confirmation the appraisal was delivered to the borrower – see Pg# 17 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1006 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1027. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1064-1065, and confirmation the appraisal was delivered to the borrower – see Pg# 17 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840115 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-11 04:21 | 2025-07-16 08:39 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Cured- - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Cured-Received a post close CD with reimbursement, copy of check, letter to borrower. - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open-Provide COC for the increase of the Condo Questionnaire Fee - Due Diligence Vendor-07/11/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Condo Questionnaire. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Cured- - Due Diligence Vendor-07/16/2025 <br>Cured-Received a post close CD with reimbursement, copy of check, letter to borrower. - Due Diligence Vendor-07/16/2025<br>|  |  | xxxxxx Check.pdf<br> xxxxxx.pdf<br> LOX.pdf<br> PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840115 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-03 01:45 | 2025-07-14 06:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Provided Revised CD dated xxxxxx, Revised CD dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Counter-Provide Revised CD dated xxxxxx, Revised CD dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-07/11/2025 <br> Resolved-Initial closing disclosure document provided.<br> - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-TRID: Missing Closing Disclosure Provide the Initial CD, related COC and the Disclosure Tracking Summary - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Provided Revised CD dated xxxxxx, Revised CD dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-07/14/2025 <br> Resolved-Initial closing disclosure document provided.<br> - Due Diligence Vendor-07/11/2025 |  |  | CD.pdf<br> xxxxxx 6 3.pdf<br> xxxxxx 6 16.pdf<br> xxxxxx 6 19 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840115 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-03 01:28 | 2025-07-11 10:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Waived with compensating factors.-Exception Approved - Due Diligence Vendor-07/11/2025 <br> Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $150000 Exception page 1040<br> Exception Reason- Loan Amount- Loan File xxxxxx, GL Requirement $150,000 |  | Waived-Exception Approved - Due Diligence Vendor-07/11/2025 <br> Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $150000 Exception page 1040<br> Exception Reason- Loan Amount- Loan File xxxxxx, GL Requirement $150,000<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/03/2025 | Residual Income - Loan File $4072.97, GL Requirement Minimum $1500+ $150 (per dependent of 1)= $1650 <br> Housing History - Loan File Primary Free & Clear, GL Requirement 0X30X6 months.<br> Borrower Contribution - Loan File 25 %, GL Requirement 10%<br> Consumer Payment History- Loan File 0x30x18 months with no guideline requirements.<br> Tradelines exceed min- Loan File 5>18 months, GL Requirement 2>18 months<br>| Residual Income - Loan File $4072.97, GL Requirement Minimum $1500+ $150 (per dependent of 1)= $1650 <br> Housing History - Loan File Primary Free & Clear, GL Requirement 0X30X6 months.<br> Borrower Contribution - Loan File 25 %, GL Requirement 10%<br> Consumer Payment History- Loan File 0x30x18 months with no guideline requirements.<br> Tradelines exceed min- Loan File 5>18 months, GL Requirement 2>18 months<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840050 | xxxxxx | A | Closed | xxxxxx | 2025-07-17 00:46 | 2025-07-17 10:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.082%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 411 and the Final Closing disclosure on Pg# 163 reflects escrows. Rate lock date was entered correctly see Pg# 443 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg# 307, and copy of the appraisal was given to the borrower see Pg# 294 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 |  | Resolved-The loan's (9.082%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 411 and the Final Closing disclosure on Pg# 163 reflects escrows. Rate lock date was entered correctly see Pg# 443 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg# 307, and copy of the appraisal was given to the borrower see Pg# 294 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843101 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 06:24 | 2025-07-17 21:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Executed Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-07/18/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator on page#446 is corrupted. Need Executed sheet. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Executed Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/18/2025<br>|  |  | xxxxxx Calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843101 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 10:34 | 2025-07-17 12:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-CD received. System updated & xxxxxx ran. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-TRID: Missing Closing Disclosure • The Initial Closing Disclosure is missing in file. To run a compliance review, this document is required. The only documents provided were the Initial LE xxxxxx and the Final CD xxxxxx. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-CD received. System updated & xxxxxx ran. - Due Diligence Vendor-07/17/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843101 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 12:34 | 2025-07-17 12:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.551%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 407, and the Final Closing disclosure on Pg# 314, reflecting escrows. Rate lock date was entered correctly – see Pg# 305. An interior and exterior appraisal was completed for this property – see Pg# 41-88, the appraisal disclosure was provided to the borrower(s)- see Pg# 304; 442; 472, and confirmation the appraisal was delivered to the borrower – see Pg# 40. Loan meets HPML guidelines. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 |  | Resolved-The loan's (9.551%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 407, and the Final Closing disclosure on Pg# 314, reflecting escrows. Rate lock date was entered correctly – see Pg# 305. An interior and exterior appraisal was completed for this property – see Pg# 41-88, the appraisal disclosure was provided to the borrower(s)- see Pg# 304; 442; 472, and confirmation the appraisal was delivered to the borrower – see Pg# 40. Loan meets HPML guidelines. - Due Diligence Vendor-07/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843102 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 15:19 | 2025-08-11 14:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br> Resolved- - Due Diligence Vendor-07/18/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-COC provided. - Due Diligence Vendor-08/11/2025 <br>Resolved- - Due Diligence Vendor-07/18/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843102 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 15:19 | 2025-08-11 13:39 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _468___ and the Final Closing disclosure on Pg#'s __234__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __40__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_590__ , and copy of the appraisal was given to the borrower – see Pg#'s ___214__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.616%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _468___ and the Final Closing disclosure on Pg#'s __234__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __40__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_590__ , and copy of the appraisal was given to the borrower – see Pg#'s ___214__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843102 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 08:34 | 2025-07-18 15:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing from file. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received the initial CD - Due Diligence Vendor-07/18/2025<br>|  |  | CD Docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843102 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 15:19 | 2025-07-18 15:31 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _468___ and the Final Closing disclosure on Pg#'s __234__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __40__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_590__ , and copy of the appraisal was given to the borrower – see Pg#'s ___214__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> Open-The loan's (9.616%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _468___ and the Final Closing disclosure on Pg#'s __234__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __40__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_590__ , and copy of the appraisal was given to the borrower – see Pg#'s ___214__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843102 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 22:52 | 2025-07-18 14:43 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-received the 1003 with the corrected information - Resolved - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-Borrower 1 Race Selection is Not Provided Borrower 1 Race Selection is missing on 1003. <br> - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025<br>| Resolved-received the 1003 with the corrected information - Resolved - Due Diligence Vendor-07/18/2025<br>|  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843102 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 22:52 | 2025-07-18 14:43 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-received the 1003 with the corrected information - Resolved<br>- Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 Ethnicity Selection is missing on 1003. <br> - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025<br>| Resolved-received the 1003 with the corrected information - Resolved<br>- Due Diligence Vendor-07/18/2025<br>|  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843102 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 23:23 | 2025-07-17 21:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-12 months Rent Payments Provided. - Due Diligence Vendor-07/18/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. VOR or LOX regarding Primary Housing History is not available - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-12 months Rent Payments Provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/18/2025<br>|  |  | VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843109 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 08:50 | 2025-08-13 11:06 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Waived-Client waived as executed business purpose affidavit was provided at closing. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-We are unable to provide the initial BPA. - Seller-07/23/2025 <br> Counter-Final BPA received. Provide the Initial BPA executed on or about xxxxxx - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide the Initial Business Purpose Affidavit Disclosure that was executed with Initial Docs - Due Diligence Vendor-07/17/2025 | Ready for Review-We are unable to provide the initial BPA. - Seller-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Waived-Client waived as executed business purpose affidavit was provided at closing. - Due Diligence Vendor-08/13/2025<br>| Client waived as executed business purpose affidavit was provided at closing. | Client waived as executed business purpose affidavit was provided at closing. | BPA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 843109 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 05:02 | 2025-07-21 07:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note is signed by xxxxxx on behalf of the Business Entity, xxxxxx Provide Exception - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/21/2025<br>| Reserves- Loan file 155.18 months, GL Requirement Min 6 months<br> Credit Score- Loan File 771, GL Requirement Min 700<br> Residual Income - Loan File $430,448.78, GL Requirement $2500<br> Personal Guaranty with full recourse executed by borrower present in file | Reserves- Loan file 155.18 months, GL Requirement Min 6 months<br> Credit Score- Loan File 771, GL Requirement Min 700<br> Residual Income - Loan File $430,448.78, GL Requirement $2500<br> Personal Guaranty with full recourse executed by borrower present in file | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843110 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-17 02:19 | 2025-07-23 14:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/23/2025 <br> Ready for Review- - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Open-Guidelines do not allow entity to sign note Note signed with LLC - Due Diligence Vendor-07/17/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - 07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/23/2025<br>| Credit Score is 771. Minimum required per guidelines is 740.<br> Borrower(s) have 35.73 months Reserves. Minimum required per guidelines is 10 months.<br> Executed Personal Guaranty with full recourse in file | Credit Score is 771. Minimum required per guidelines is 740.<br> Borrower(s) have 35.73 months Reserves. Minimum required per guidelines is 10 months.<br> Executed Personal Guaranty with full recourse in file | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843111 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-17 02:57 | 2025-07-18 06:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note is signed by xxxxxx on behalf of the Business Entity, xxxxxx Provide Exception - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/18/2025<br>| Reserves- Loan file 155.35 months, GL Requirement Min 6 months<br> Credit Score- Loan File 771, GL Requirement Min 700<br> Residual Income - Loan File $430,498.39, GL Requirement $2500<br> Personal Guaranty with full recourse executed by borrower present in file | Reserves- Loan file 155.35 months, GL Requirement Min 6 months<br> Credit Score- Loan File 771, GL Requirement Min 700<br> Residual Income - Loan File $430,498.39, GL Requirement $2500<br> Personal Guaranty with full recourse executed by borrower present in file | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840131 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-21 04:30 | 2025-07-23 07:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-All LEs and COCs input into the system. xxxxxx now passes. Resolved. - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-(1) Loan Discount Points increased from $0 on the Initial LE dated xxxxxx to $4,777.50 on the Initial CD dated xxxxxx. No COC located in the file. (2) The Appraisal Fee increased from $810 on the same Initial LE to $905 on the same Initial CD. No COC located in file. <br>The file is missing any LE's between the Initial LE xxxxxx and the Initial CD xxxxxx, as well as any corresponding Change In Circumstances (COCs). - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-All LEs and COCs input into the system. xxxxxx now passes. Resolved. - Due Diligence Vendor-07/23/2025 |  |  | xxxxxx 6 2 CC.pdf<br> xxxxxx 6 13 CC.pdf<br> xxxxxx 6 11 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840131 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 08:36 | 2025-07-21 05:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors.-Exception Approval received:<br> "Minimum Subject Months Reserves is 0. Guidelines Requirement is 3." - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-• Loan is short reserves. Total Assets verified was $149,698.53 from xxxxxx dated 6/12/2025. Total Cash to Close, per the Final CD is xxxxxx. That leaves only $699.97 post-close for reserves. Reserves needed is 3 months of the $3,393.26 PITIA, or $10,179.75 total. Therefore, the loan is short $9,479.78 for reserves. Note: The $50,000 Gift Funds were sent directly to Escrow and used. The borrower never held possession of these funds; therefore, it cannot be used for Reserves. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Waived-Exception Approval received:<br> "Minimum Subject Months Reserves is 0. Guidelines Requirement is 3." - Due Diligence Vendor-07/21/2025<br>| (1) DTI of 36.5522% is more than 10% below the max of 50%.<br> (2) LTV of 68.421% is more than 10% below the max of 85%.<br> (3) FICO qualifying score of 742 is more than 20 points above the minimum of 700.<br> (4) Residual Income of $10,151.74 is well above the minimum required of $1,650.<br> (5) Borrower Contribution of 25% is more than 5% above the minimum of 5%.<br> (6) Tradelines of 5 > 36 months exceeds the minimum of 2 > 18 months.<br> (7) Housing History is 0x30x36 exceeds the minimum of 0x30x6.<br> (8) Job Stabilitiy of 4 years and counting exceeds the minimum of 1 year. | (1) DTI of 36.5522% is more than 10% below the max of 50%.<br> (2) LTV of 68.421% is more than 10% below the max of 85%.<br> (3) FICO qualifying score of 742 is more than 20 points above the minimum of 700.<br> (4) Residual Income of $10,151.74 is well above the minimum required of $1,650.<br> (5) Borrower Contribution of 25% is more than 5% above the minimum of 5%.<br> (6) Tradelines of 5 > 36 months exceeds the minimum of 2 > 18 months.<br> (7) Housing History is 0x30x36 exceeds the minimum of 0x30x6.<br> (8) Job Stabilitiy of 4 years and counting exceeds the minimum of 1 year. | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840131 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 00:56 | 2025-07-21 04:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-TRID: Missing Closing Disclosure • The Initial Closing Disclosure is missing in file, to run a compliance review, this document is required. The only documents provided were the initial LE xxxxxx and the Final CD xxxxxx. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/21/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840113 | xxxxxx | D A | Closed | xxxxxx | 2025-07-21 03:31 | 2025-07-21 05:59 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Municipal Lien Fee (Fee ID: 178) | Resolved-Corrected fee entry. - Due Diligence Vendor-07/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/21/2025 <br> Open-xxxxxx law does not allow Municipal Lien Fee (Fee ID: 178) to be charged to the Borrower, Seller, Originator, Lender or Other in xxxxxx. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-Corrected fee entry. - Due Diligence Vendor-07/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/21/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840113 | xxxxxx | D A | Closed | xxxxxx | 2025-07-21 03:31 | 2025-07-21 05:59 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Loan Warehousing Fee (Fee ID: 120) | Resolved-Corrected fee entry. - Due Diligence Vendor-07/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/21/2025 <br> Open-Loan Warehousing Fee (Fee ID: 120) is not allowed to be charged to the Borrower and paid to the Affiliate or Provider in xxxxxx under the xxxxxx Mortgage Loans, Fees, Obligations Provisions. The xxxxxx Mortgage Loans, Fees, Obligations Provisions allow this fee to be paid only to the lender. (xxxxxx a.C. 3:1-16.2(a). - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-Corrected fee entry. - Due Diligence Vendor-07/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/21/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840113 | xxxxxx | D A | Closed | xxxxxx | 2025-07-21 03:31 | 2025-07-21 05:58 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Notice of Settlement (Fee ID: 998) | Resolved-Corrected fee entry. - Due Diligence Vendor-07/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/21/2025 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx a.C. 3:1-16.2) does not allow Notice of Settlement (Fee ID: 998) to be charged to the Borrower in xxxxxx - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-Corrected fee entry. - Due Diligence Vendor-07/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/21/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840113 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 00:20 | 2025-07-21 05:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved due to Receiving initial CD, revised LE, COC, and disclosure tracking summary. - Due Diligence Vendor-07/21/2025 <br> Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is Missing in file, Unable to Perform xxxxxx, Need Initial CD - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Resolved due to Receiving initial CD, revised LE, COC, and disclosure tracking summary. - Due Diligence Vendor-07/21/2025 <br>Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-07/21/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841405 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 09:16 | 2025-07-18 15:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Audited Reserves of 8.86 month(s) are less than Guideline Required Reserves of 9 month(s) Provide Exception. Qualifying Total Reserves Number of Months '8.86' is less than Required Months of Subject Property Reserves '9'. 6 months required reserves + 3 months additional reserves due to borrower living rent free= 9 months Total required reserves. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>|  | Credit Score- Loan File 772, GL Requirement Min 700<br> Residual Income - Loan File $11,000, GL Requirement $2500 | Credit Score- Loan File 772, GL Requirement Min 700<br> Residual Income - Loan File $11,000, GL Requirement $2500 | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841405 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 01:44 | 2025-07-17 21:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document for subject property provided. - Due Diligence Vendor-07/18/2025 <br> Resolved-Title Document is fully Present - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Title Document is missing Provide Title Commitment. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Title Document for subject property provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-07/18/2025<br>|  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841869 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-07 23:06 | 2025-07-16 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved. Received the Permanent Resident card along with the Form I-797C Renewal. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. Permanent Resident Card - Seller-07/16/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. • Per the Final 1003, the Borrower is Non-Permanent Resident Alien. Per guidelines, one of the following documents is required: Form I-766 Employment Authorization Document; Form I-765 Application for Employment Authorization; Form I-797, I-797A, I-797B, or I-797C conveying approval status; Form I-94 with a stamp or notation, such as "asylum granted indefinitely." The only identification document provided in the loan file is a Driver's License. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Permanent Resident Card - Seller-07/16/2025<br>| Resolved-Validation Resolved. Received the Permanent Resident card along with the Form I-797C Renewal. - Due Diligence Vendor-07/16/2025<br>|  |  | Resident Card - Front.pdf<br>Resident Card - Back.pdf<br>Resident card - Renewall request.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841869 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 00:04 | 2025-07-12 10:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xxxxxx) | Resolved-PCCD, Settlement Statement, and Cure Check along with delivery evidence was provided. System updated & xxxxxx passes. Resolved. - Due Diligence Vendor-07/12/2025 <br> Resolved- - Due Diligence Vendor-07/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx $145 cure check, tracking, lox, PCCD along with the Final HUD1 showing the Broker cure given for $150; the $150 from Broker (tolerance cure) and our additional $145 tolerance cure, total the $295 tolerance cure credit disclosed on the initial CD to the borrower. - Seller-07/11/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($445.00). The Last CD shows a total lender credit amount of ($150.00). The following fees "lender credits" have decreased below their baseline amounts (Wire Transfer Fee, General Lender Credit, Title Endorsement Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). • Lender Credit decreased from $295 on the Initial CD xxxxxx to $0 on the Final CD xxxxxx. There is no valid COC. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. xxxxxx $145 cure check, tracking, lox, PCCD along with the Final HUD1 showing the Broker cure given for $150; the $150 from Broker (tolerance cure) and our additional $145 tolerance cure, total the $295 tolerance cure credit disclosed on the initial CD to the borrower. - Seller-07/11/2025 | Resolved-PCCD, Settlement Statement, and Cure Check along with delivery evidence was provided. System updated & xxxxxx passes. Resolved. - Due Diligence Vendor-07/12/2025 |  |  | xxxxxx $145 cure check, tracking, lox, PCCD.pdf<br> xxxxxx Final SS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841869 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 00:04 | 2025-07-09 06:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC received. System updated. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. COC - Seller-07/08/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). • Loan Points in Section A was increased from $7,568.40 on the Initial CD xxxxxx to $7,780.40 on the Final CD xxxxxx. There is no valid COC. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. COC - Seller-07/08/2025<br>| Resolved-COC received. System updated. - Due Diligence Vendor-07/09/2025<br>|  |  | xxxxxx COC FOR LOCK EXTENSION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841869 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 00:04 | 2025-08-11 13:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Resolved-. - Due Diligence Vendor-07/12/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.37%) equals or exceeds the xxxxxx HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 480 and the Final Closing disclosure on Pg#'s322, Finding reflects escrows. Rate lock date was entered correctly – see Pg#501-502. An interior and exterior appraisal was completed for this property – see pg#22-45, the appraisal disclosure was provided to the borrower(s)- see Pg#20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 530-533 . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-. - Due Diligence Vendor-07/16/2025 <br> Resolved-. - Due Diligence Vendor-07/12/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.37%) equals or exceeds the xxxxxx HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 480 and the Final Closing disclosure on Pg#'s322, Finding reflects escrows. Rate lock date was entered correctly – see Pg#501-502. An interior and exterior appraisal was completed for this property – see pg#22-45, the appraisal disclosure was provided to the borrower(s)- see Pg#20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 530-533 . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841869 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 00:04 | 2025-07-16 14:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Resolved-. - Due Diligence Vendor-07/12/2025 <br> Resolved-The loan's (8.37%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 480 and the Final Closing disclosure on Pg#'s322, Finding reflects escrows. Rate lock date was entered correctly – see Pg#501-502. An interior and exterior appraisal was completed for this property – see pg#22-45, the appraisal disclosure was provided to the borrower(s)- see Pg#20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 530-533 . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 |  | Resolved-. - Due Diligence Vendor-07/16/2025 <br> Resolved-. - Due Diligence Vendor-07/12/2025 <br> Resolved-The loan's (8.37%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 480 and the Final Closing disclosure on Pg#'s322, Finding reflects escrows. Rate lock date was entered correctly – see Pg#501-502. An interior and exterior appraisal was completed for this property – see pg#22-45, the appraisal disclosure was provided to the borrower(s)- see Pg#20, and confirmation the appraisal was delivered to the borrower – see Pg#'s 530-533 . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841629 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 00:09 | 2025-07-17 03:42 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/16/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/16/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/17/2025<br>|  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841629 | xxxxxx | D A | Closed | xxxxxx | 2025-07-09 23:04 | 2025-07-17 03:41 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/16/2025 <br> Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/16/2025<br>| Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/17/2025<br>|  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841629 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 05:23 | 2025-07-16 08:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.968%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s586 and the Final Closing disclosure on Pg#'s268, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s504,493,264. An interior and exterior appraisal was completed for this property – see pg#'s29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s27,28. and confirmation the appraisal was delivered to the borrower – see Pg#'s333,334. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 |  | Resolved-The loan's (8.968%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s586 and the Final Closing disclosure on Pg#'s268, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s504,493,264. An interior and exterior appraisal was completed for this property – see pg#'s29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s27,28. and confirmation the appraisal was delivered to the borrower – see Pg#'s333,334. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841365 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-21 03:56 | 2025-07-21 07:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 585 and the Final Closing disclosure on Pg#'s 343, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 604. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 766 and confirmation the appraisal was delivered to the borrower – see Pg#'s 458-459. The loan meets HPML guidelines, - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 585 and the Final Closing disclosure on Pg#'s 343, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 604. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 458-459,766 and confirmation the appraisal was delivered to the borrower – see Pg#'s 458-459,766. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/21/2025 <br> Open-The loan's (9.492%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 585 and the Final Closing disclosure on Pg#'s 343, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 604. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 766 and confirmation the appraisal was delivered to the borrower – see Pg#'s 458-459. The loan meets HPML guidelines, - Due Diligence Vendor-07/21/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 585 and the Final Closing disclosure on Pg#'s 343, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 604. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 458-459,766 and confirmation the appraisal was delivered to the borrower – see Pg#'s 458-459,766. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841365 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 08:14 | 2025-07-21 07:10 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed Disclosure received. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed Disclosure is missing - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025<br>| Resolved-Resolved. Intent to Proceed Disclosure received. - Due Diligence Vendor-07/21/2025<br>|  |  | ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841365 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 08:13 | 2025-07-21 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025<br>| Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/21/2025<br>|  |  | COC's.pdf<br>Disclosure Tracking.pdf<br>CD's.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841365 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 08:24 | 2025-07-17 14:52 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception Waived with compensating factors.-Exception page 719<br> Exception Reason: OTHER- Loan file Self-Employment 23 months, GL Requirements Self-Employment 24 months |  | Waived-Exception page 719<br> Exception Reason: OTHER- Loan file Self-Employment 23 months, GL Requirements Self-Employment 24 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/17/2025<br>| Residual Income - Loan File $7884.99. GL Requirement $2500. <br> Reserves- Loan File 19.83 months, GL Requirement 6 months.<br> Housing History - Loan File 0X30, 48 Months. GL Requirement 1X30, 12 months.<br> Consumer Payment History- Loan File 0x60, 66 months, GL Requirement 0x30, 12 months. | Residual Income - Loan File $7884.99. GL Requirement $2500. <br> Reserves- Loan File 19.83 months, GL Requirement 6 months.<br> Housing History - Loan File 0X30, 48 Months. GL Requirement 1X30, 12 months.<br> Consumer Payment History- Loan File 0x60, 66 months, GL Requirement 0x30, 12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843106 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 11:17 | 2025-07-21 09:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-07/18/2025 <br> Open-Audited Reserves of 5.6 month(s) are less than Guideline Required Reserves of 6 month(s) Per Matrix 05/13/2025-Version, Required 6 months reserves.<br> Exception page No#485 - Due Diligence Vendor-07/17/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-07/18/2025 |  | Credit Score is 754. Minimum required per guidelines is 740.<br> Residual Income is $6492.44. Minimum Residual Income required per guidelines is $2500. <br>| Credit Score is 754. Minimum required per guidelines is 740.<br> Residual Income is $6492.44. Minimum Residual Income required per guidelines is $2500. <br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843106 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-21 04:53 | 2025-07-21 09:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC was provided to resolve the condition - Due Diligence Vendor-07/21/2025 <br> Open-Recording fees of $130 in Initial Le is Increased by 10% $140, and there is no Coc to cure the tolerance - Due Diligence Vendor-07/21/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($270.00) has increased by more than 10% over the current baseline value of ($130.00). The total amount of fees in the 10% category cannot exceed ($143.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/21/2025 |  | Resolved-COC was provided to resolve the condition - Due Diligence Vendor-07/21/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843106 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-21 04:53 | 2025-07-21 09:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC was provided to resolve the condition - Due Diligence Vendor-07/21/2025 <br> Open-lenders title Policy and Recording fees are increased from Initial Le to Final Cd, and there is no coc to cure the tolerance - Due Diligence Vendor-07/21/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Lender's Title Policy. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/21/2025 |  | Resolved-COC was provided to resolve the condition - Due Diligence Vendor-07/21/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843106 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-21 04:53 | 2025-07-21 09:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC was provided to resolve the condition - Due Diligence Vendor-07/21/2025 <br> Open-Recording fees of $130 in Initial Le is Increased by 10% $140, and there is no Coc to cure the tolerance - Due Diligence Vendor-07/21/2025 <br> Open-The total amount of the 10% category fees ($270.00) has increased by more than 10% over the current baseline value of ($130.00). The total amount of fees in the 10% category cannot exceed ($143.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/21/2025 |  | Resolved-COC was provided to resolve the condition - Due Diligence Vendor-07/21/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843106 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 11:20 | 2025-07-21 04:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Trid Missing in file, Document provided Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is Missing In File, To Run The xxxxxx Required initial CD. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025<br>| Resolved-Initial Trid Missing in file, Document provided Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025<br>|  |  | Disclosure Tracking.pdf<br>CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841404 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-22 08:07 | 2025-07-24 08:27 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Per GL, sufficient funds to cover the gift must be verified as either currently in the donor's account or evidence of transfer into the borrower's account. Acceptable documentation includes any of the following: ✓ Copy of the donor's check or withdrawal slip and the borrower's deposit slip. Provide support evidence of gift funds iao $26,000 from donor's acct ending -9732. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/24/2025<br>| DTI- Loan File 32.42%, GL Requirement 50%<br> Credit Score - Loan File 749, GL Requirement Min 700<br> Residual Income- Loan File $3662.02, GL Requirement $2500<br> Reserves- Loan File 14.91 months, GL Requirement Min 6 months + 3 addt'l months due to no primary housing history= 9 months<br> Consumer Payment History- Loan File 0x30x23, 0x30x12, 0x30x36, 0x30x55, 0x30x16, 0x30x67, GL Requirement 0x60x12 | DTI- Loan File 32.42%, GL Requirement 50%<br> Credit Score - Loan File 749, GL Requirement Min 700<br> Residual Income- Loan File $3662.02, GL Requirement $2500<br> Reserves- Loan File 14.91 months, GL Requirement Min 6 months + 3 addt'l months due to no primary housing history= 9 months<br> Consumer Payment History- Loan File 0x30x23, 0x30x12, 0x30x36, 0x30x55, 0x30x16, 0x30x67, GL Requirement 0x60x12 | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841404 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-18 02:33 | 2025-07-24 05:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Waived with compensating factors.-Audited Loan Amount is less than Guideline Minimum Loan Amount Waived-Exception Waived with compensating factors. Exception page 806<br> Exception Reason: Loan Amount- Loan File xxxxxx, GL Requirements $150,000 - Due Diligence Vendor-08/11/2025 |  | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Waived-Exception Waived with compensating factors. Exception page 806<br> Exception Reason: Loan Amount- Loan File xxxxxx, GL Requirements $150,000 - Due Diligence Vendor-08/11/2025 | DTI- Loan File 32.42%, GL Requirement Max 50%<br> Credit Score- Loan File 749, GL Requirement Min 700<br> Residual Income - Loan File $3662.02, GL Requirement $2500<br> Reserves- Loan File 14.91 months, GL Requirement Min 6 months + additional 3 months due to no primary housing expense = 9 months<br> Consumer Payment History- Loan File 0x30x23, 0x30x12, 0x30x36, 0x30x55, 0x30x16, 0x30x67, GL Requirement 0x60x12 | DTI- Loan File 32.42%, GL Requirement Max 50%<br> Credit Score- Loan File 749, GL Requirement Min 700<br> Residual Income - Loan File $3662.02, GL Requirement $2500<br> Reserves- Loan File 14.91 months, GL Requirement Min 6 months + additional 3 months due to no primary housing expense = 9 months<br> Consumer Payment History- Loan File 0x30x23, 0x30x12, 0x30x36, 0x30x55, 0x30x16, 0x30x67, GL Requirement 0x60x12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841404 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-18 02:25 | 2025-07-23 01:31 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Updated HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-07/23/2025 <br> Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Provide HO-6 policy with an effective date on or prior to xxxxxx - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Updated HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-07/23/2025 <br> Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-07/23/2025 |  |  | xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841404 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-18 03:39 | 2025-08-11 13:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.372%) equals or exceeds the xxxxxx HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 754 and the Final Closing disclosure on Pg# 111 reflects escrows. Rate lock date was entered correctly see Pg# 800. An interior and exterior appraisal was completed for this property – see Page# 59 the appraisal disclosure was provided to the borrower(s)- see Pg# 879-880 and copy of the appraisal was given to the borrower see Pg# 57 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.372%) equals or exceeds the xxxxxx HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 754 and the Final Closing disclosure on Pg# 111 reflects escrows. Rate lock date was entered correctly see Pg# 800. An interior and exterior appraisal was completed for this property – see Page# 59 the appraisal disclosure was provided to the borrower(s)- see Pg# 879-880 and copy of the appraisal was given to the borrower see Pg# 57 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841404 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-18 03:39 | 2025-07-22 08:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.372%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 754 and the Final Closing disclosure on Pg# 111 reflects escrows. Rate lock date was entered correctly see Pg# 800. An interior and exterior appraisal was completed for this property – see Page# 59 the appraisal disclosure was provided to the borrower(s)- see Pg# 879-880 and copy of the appraisal was given to the borrower see Pg# 57 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-The loan's (8.372%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 754 and the Final Closing disclosure on Pg# 111 reflects escrows. Rate lock date was entered correctly see Pg# 800. An interior and exterior appraisal was completed for this property – see Page# 59 the appraisal disclosure was provided to the borrower(s)- see Pg# 879-880 and copy of the appraisal was given to the borrower see Pg# 57 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840119 | xxxxxx | D A | Closed | xxxxxx | 2025-07-23 05:29 | 2025-07-23 05:46 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 297 and the Final Closing disclosure on Pg#'s 212, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 320. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 237-240,363-364 and confirmation the appraisal was delivered to the borrower – see Pg#'s 237-240,363-364. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 297 and the Final Closing disclosure on Pg#'s 212, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 320. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 237-240,363-364 and confirmation the appraisal was delivered to the borrower – see Pg#'s 237-240,363-364. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/23/2025 <br> Open-The loan's (8.625%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/23/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 297 and the Final Closing disclosure on Pg#'s 212, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 320. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 237-240,363-364 and confirmation the appraisal was delivered to the borrower – see Pg#'s 237-240,363-364. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 297 and the Final Closing disclosure on Pg#'s 212, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 320. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 237-240,363-364 and confirmation the appraisal was delivered to the borrower – see Pg#'s 237-240,363-364. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840119 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 01:46 | 2025-07-23 05:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial closing disclosure document provided. Updated & Resolved. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Initial closing disclosure document provided. Updated & Resolved. - Due Diligence Vendor-07/23/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841402 | xxxxxx | D A | Closed | xxxxxx | 2025-07-21 01:35 | 2025-07-25 07:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/25/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841399 | xxxxxx | D A | Closed | xxxxxx | 2025-07-20 23:15 | 2025-07-25 09:38 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received the intent to proceed. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Required Intent to Proceed.<br>- Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Received the intent to proceed. - Due Diligence Vendor-07/25/2025<br>|  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841399 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 12:12 | 2025-07-25 09:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/25/2025<br>|  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841399 | xxxxxx | D A | Closed | xxxxxx | 2025-07-20 23:16 | 2025-07-25 06:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Missing in the file. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/25/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842415 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-28 05:33 | 2025-08-11 13:36 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Non-Conforming) | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 523 and the Final Closing disclosure on page 243 reflects escrows. Rate lock date was entered correctly – see page 561. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 636 and copy of the appraisal was given to the borrower – see page 227. The loan meets HPML guidelines. - Due Diligence Vendor-07/28/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.489%) equals or exceeds the xxxxxx HPML threshold of (9.17%). The System determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.67%). The System applied this threshold because this (xxxxxx) loan exceeds (xxxxxx), which is the xxxxxx conforming loan limit as of the date the loan's interest rate was set before consummation. (xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(ii)) . - Due Diligence Vendor-07/28/2025 |  | Resolved-Loan is xxxxxx compliant and meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 523 and the Final Closing disclosure on page 243 reflects escrows. Rate lock date was entered correctly – see page 561. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 636 and copy of the appraisal was given to the borrower – see page 227. The loan meets HPML guidelines. - Due Diligence Vendor-07/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842415 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 23:58 | 2025-08-11 11:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Waived-Exception Waived with compensating factors. Exception page 542<br> Exception Reason - payment shock exceeds 2.5X current for the >85% overlay - Due Diligence Vendor-08/11/2025 |  | Waived-Waived-Exception Waived with compensating factors. Exception page 542<br> Exception Reason - payment shock exceeds 2.5X current for the >85% overlay - Due Diligence Vendor-08/11/2025<br>| DTI is 20.98%. Maximum allowed per guidelines is 50%.<br> Residual Income is $62,018.84. Minimum Residual Income required per guidelines is $2500. <br> Borrower(s) have 15.74 months Reserves. Minimum required per guidelines is 6 months.<br> Tradelines exceed min Loan File "have 12+ acceptable tradelines", Guideline Requirement "no minimum required "<br> Borrower Housing History is 0X30X22, 0X30X15, 0X30X38, 0X30X26, 0X30X40, 0X30X18, 0X30X16, 0X30X15, 0X30X26, 0X30X28 months. Housing History required per guidelines is 0X30, 12 months. | DTI is 20.98%. Maximum allowed per guidelines is 50%.<br> Residual Income is $62,018.84. Minimum Residual Income required per guidelines is $2500. <br> Borrower(s) have 15.74 months Reserves. Minimum required per guidelines is 6 months.<br> Tradelines exceed min Loan File "have 12+ acceptable tradelines", Guideline Requirement "no minimum required "<br> Borrower Housing History is 0X30X22, 0X30X15, 0X30X38, 0X30X26, 0X30X40, 0X30X18, 0X30X16, 0X30X15, 0X30X26, 0X30X28 months. Housing History required per guidelines is 0X30, 12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 842415 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-17 23:45 | 2025-07-28 05:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Counter-Provide Revised LE dated xxxxxx - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Resolved. Revised LE, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-07/28/2025<br>|  |  | xxxxxx CD.pdf<br> xxxxxx 7 7 CC.pdf<br> xxxxxx 7 9 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842415 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-28 05:33 | 2025-07-28 05:48 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Non-Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 523 and the Final Closing disclosure on page 243 reflects escrows. Rate lock date was entered correctly – see page 561. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 636 and copy of the appraisal was given to the borrower – see page 227. The loan meets HPML guidelines. - Due Diligence Vendor-07/28/2025 <br> Open-The loan's (9.489%) APR equals or exceeds the Federal HPML threshold of (9.17%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.67%). The System applied this threshold because this (xxxxxx) loan exceeds (xxxxxx), which is the xxxxxx conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) . - Due Diligence Vendor-07/28/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 523 and the Final Closing disclosure on page 243 reflects escrows. Rate lock date was entered correctly – see page 561. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 636 and copy of the appraisal was given to the borrower – see page 227. The loan meets HPML guidelines. - Due Diligence Vendor-07/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841408 | xxxxxx | D A | Closed | xxxxxx | 2025-07-22 17:47 | 2025-07-24 08:40 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-The intent to proceed was uploaded - resolved - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide the intent to proceed - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-The intent to proceed was uploaded - resolved - Due Diligence Vendor-07/24/2025<br>|  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841408 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 03:44 | 2025-07-24 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Document provided hence resolved. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Requested Initial CD Document provided hence resolved. - Due Diligence Vendor-07/24/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |

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## Exhibit 99.25

**EXHIBIT 99.25**

**selene rating agency grades report**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 836105 | xxxxxx |  | xxxxxx C A B |
| 841723 | xxxxxx |  | xxxxxx C A |
| 836119 | xxxxxx |  | xxxxxx A |
| 841725 | xxxxxx |  | xxxxxx C D A B |
| 841721 | xxxxxx |  | xxxxxx A |
| 841696 | xxxxxx |  | xxxxxx C A |
| 841694 | xxxxxx |  | xxxxxx C A |
| 841707 | xxxxxx |  | xxxxxx B A |
| 841700 | xxxxxx |  | xxxxxx C A |
| 841711 | xxxxxx |  | xxxxxx A |
| 841712 | xxxxxx |  | xxxxxx C A |
| 841705 | xxxxxx |  | xxxxxx D A |
| 841689 | xxxxxx |  | xxxxxx D A |
| 841716 | xxxxxx |  | xxxxxx D A B |
| 841693 | xxxxxx |  | xxxxxx B A |
| 841717 | xxxxxx |  | xxxxxx D A B |
| 838915 | xxxxxx |  | xxxxxx C A |
| 838919 | xxxxxx |  | xxxxxx A |
| 841724 | xxxxxx |  | xxxxxx A |
| 841719 | xxxxxx |  | xxxxxx A |
| 840102 | xxxxxx |  | xxxxxx A D |
| 838810 | xxxxxx |  | xxxxxx C A B |
| 841718 | xxxxxx |  | xxxxxx D A |
| 841692 | xxxxxx |  | xxxxxx B A |
| 841709 | xxxxxx |  | xxxxxx D A |
| 841703 | xxxxxx |  | xxxxxx A |
| 841695 | xxxxxx |  | xxxxxx B A C |
| 841720 | xxxxxx |  | xxxxxx B A |
| 841691 | xxxxxx |  | xxxxxx D A |
| 838866 | xxxxxx |  | xxxxxx A D |
| 840121 | xxxxxx |  | xxxxxx C D A B |
| 838872 | xxxxxx |  | xxxxxx C D A |
| 840127 | xxxxxx |  | xxxxxx B D A |
| 840098 | xxxxxx |  | xxxxxx A |
| 838863 | xxxxxx |  | xxxxxx D A B |
| 840084 | xxxxxx |  | xxxxxx C A B |
| 841708 | xxxxxx |  | xxxxxx B A |
| 840099 | xxxxxx |  | xxxxxx A D |
| 840122 | xxxxxx |  | xxxxxx C D A B |
| 840094 | xxxxxx |  | xxxxxx C D A B |
| 838893 | xxxxxx |  | xxxxxx A D |
| 840120 | xxxxxx |  | xxxxxx D A |
| 838890 | xxxxxx |  | xxxxxx C D A B |
| 840134 | xxxxxx |  | xxxxxx A D |
| 840095 | xxxxxx |  | xxxxxx A D |
| 840097 | xxxxxx |  | xxxxxx B D A |
| 839743 | xxxxxx |  | xxxxxx A D |
| 841131 | xxxxxx |  | xxxxxx D C A |
| 840878 | xxxxxx |  | xxxxxx A D |
| 841397 | xxxxxx |  | xxxxxx A |
| 840087 | xxxxxx |  | xxxxxx A D B |
| 840093 | xxxxxx |  | xxxxxx A C |
| 840130 | xxxxxx |  | xxxxxx D A |
| 840089 | xxxxxx |  | xxxxxx C A B |
| 840088 | xxxxxx |  | xxxxxx A D |
| 841427 | xxxxxx |  | xxxxxx A D |
| 840116 | xxxxxx |  | xxxxxx A |
| 841428 | xxxxxx |  | xxxxxx C A B |
| 840092 | xxxxxx |  | xxxxxx C D A |
| 838883 | xxxxxx |  | xxxxxx A D |
| 840968 | xxxxxx |  | xxxxxx D B A |
| 840126 | xxxxxx |  | xxxxxx D A |
| 841041 | xxxxxx |  | xxxxxx B D A |
| 841403 | xxxxxx |  | xxxxxx A |
| 841409 | xxxxxx |  | xxxxxx D A |
| 841406 | xxxxxx |  | xxxxxx A D |
| 840333 | xxxxxx |  | xxxxxx A D |
| 840115 | xxxxxx |  | xxxxxx B D A |
| 840050 | xxxxxx |  | xxxxxx A |
| 843101 | xxxxxx |  | xxxxxx D A |
| 843102 | xxxxxx |  | xxxxxx D A |
| 843109 | xxxxxx |  | xxxxxx D A B |
| 843110 | xxxxxx |  | xxxxxx C A B |
| 843111 | xxxxxx |  | xxxxxx C A B |
| 840131 | xxxxxx |  | xxxxxx C D A B |
| 840113 | xxxxxx |  | xxxxxx A D |
| 841405 | xxxxxx |  | xxxxxx D A B |
| 841869 | xxxxxx |  | xxxxxx D C A |
| 841629 | xxxxxx |  | xxxxxx D A |
| 841365 | xxxxxx |  | xxxxxx B D A |
| 843106 | xxxxxx |  | xxxxxx C D A B |
| 841404 | xxxxxx |  | xxxxxx C A B |
| 840119 | xxxxxx |  | xxxxxx A D |
| 841402 | xxxxxx |  | xxxxxx A D |
| 841399 | xxxxxx |  | xxxxxx A D |
| 842415 | xxxxxx |  | xxxxxx B D A |
| 841408 | xxxxxx |  | xxxxxx A D |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**selene data compare report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 836105 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD |  |
| 836105 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date updated as per LO signed on initial 1003. |
| 836119 | xxxxxx |  | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | First Payment Date considered from Note |
| 836119 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity Date considered from Note |
| 838863 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 33.77 | 33.99 | HTI variance is due to the 1008 reflecting Other iao $12.50 which is captured in Credit Liabilities as ground rent lease payment iao $12.50. |
| 838883 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Attached | Confirmed from Appraisal |
| 838890 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Attached | Updated as per Appraisal document. |
| 838890 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.21 | 31.89 | Variance within 1%. |
| 838919 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | US Citizen | Per 1003 and EAD, borrower is a Perm Resident not a US Citizen |
| 839743 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 application date is xxxxxx |
| 840084 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.908 | 0.902 | Variance is due to HOA monthly fee iao $355 per Appraisal |
| 840084 | xxxxxx |  | xxxxxx | Monthly HOA $| propertyValuationPage | 355 | 370.00 | HOA monthly fee is $355 per Appraisal |
| 840088 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date confirmed with initial 1003. |
| 840094 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 710 | 709 | Updated 1008 received with correct FICO of 710 |
| 840094 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.18 | 37.14 | DTI variance is due to a decrease in All Other Monthly Payments. Updated as per Gap Credit report. DTI is under 50% Max |
| 840098 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date update as per initial 1003 |
| 840099 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | Rounding Factor |
| 840099 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 1.83 | 0.32 | Updated asper document |
| 840113 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 application dated xxxxxx with a print date of xxxxxx |
| 840115 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Verified Initial Application date as xxxxxx |
| 840120 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | 373 | 236.58 | Total Monthly Property Insurance Amount amount is both flood insurance and insurance which is $373. |
| 840120 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date considered from Initial 1003. |
| 840130 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | 243.83 | 184.08 | $243.83 Includes flood insurance $59.75 and HOI $184.08 |
| 840333 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated from initial 1003 |
| 840878 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 10008, DOT, appraisal. |
| 840878 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3034.85 | 2972.35 | True data is correct, tape data was not included HOA amount od $62.50 whereas true data shows PITIA. |
| 840878 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements were used for qualification. |
| 840968 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 840968 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.08 | 11.99 | Audit DTI is 12.0795%, rounded to 12.08%. Variance comes from a calculation difference in income. Twelve month bank statement program. Lender used 12 statements from 5/2024 through 4/2025 and calculated $26,346.23 in income. Audit used 12 statements from 6/2024 through 5/2025 and calculated $26,142.44. Audit income was $203.79 lower. |
| 841041 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Verified per the initial 1003 dates. |
| 841131 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed with appraisal report. |
| 841131 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3356.67 | 3078.67 | PUD property with monthly HOA amount of $278 and it's not escrows. |
| 841131 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.57 | 15.73 | 8.65/16.57 Front an/back DTI confirmed. within tolerance amounts. |
| 841399 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc 24 months | Verified Doc Type Considered from Lock document. |
| 841399 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | Prepayment Penalty Total Term 0 confirmed. |
| 841399 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.21 | 43.20 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 841403 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Attached | property type updated as per appraisal document. |
| 841403 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 22.62 | 23.84 | Taxes are different on 1008 and payment letter. |
| 841403 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.47 | 33.74 | Taxes are different on 1008 and payment letter. |
| 841404 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.42 | 33.10 | DTI variance is due to the decrease in all other month payments from $259 to $222 and is within 1% tolerance. Max DTI allowed 50%. |
| 841405 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.84 | 34.24 | DTI variance is due to Collection account xxxxxx#xxxxxx which was closed as per Credit report. |
| 841406 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.92 | 27.08 | DTI variance $30 difference in All other Monthly payments, acct ending -9785 reflects $30 payment on the Final 1003 and updated credit report reflects $0.00 |
| 841409 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per Initial 1003. |
| 841428 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 14.16 | 14.18 | Variance is due to income as per final 1003 is 45681 and as per the calculated Income worksheet it is $45,742.28  |
| 841428 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.94 | 30.74 | All Other Monthly Payments updated as per latest credit report. Variance is within Guidelines. |
| 841689 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | True Data shows both City & County Taxes. |
| 841689 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | the1003Page | false | true | Updated as per Final 1003. |
| 841689 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 22.3 | 27.27 | Finding added for Updated 1008 with corrected HTI. |
| 841689 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Delayed Purchase | Refinance | Delayed financing per approval |
| 841691 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | Monthly Property Tax Amount is $xxxxxx |
| 841691 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 406623.51 | 415764.01 | Cash to Close is $406,623.51 |
| 841692 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 39311.31 | 39722.3 | Cash to Close $39,311.31 per Final CD |
| 841693 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Alternative | Verified Doc Type is 12 Month Bank Statement.<br>|
| 841694 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 117826.64 | 118135.22 | Cash to Close updated as per Final CD/available asset statements. |
| 841694 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type is 12 Months Bank Statements which is part of ALT DOC. |
| 841695 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Income Verified from 12 Month Bank Statement. |
| 841696 | xxxxxx |  | xxxxxx | Borrower 2 Employer 1 Yrs on Job | the1003Page | 10.71 | 10 | Verified from final 1003. |
| 841696 | xxxxxx |  | xxxxxx | Qualifying LTV | propertyValuationPage | 66.6 | 67 | Loan Amount $xxxxxx/ Appraised Value $xxxxxx= 66.60% is rounded up to 67%. |
| 841696 | xxxxxx |  | xxxxxx | Qualifying CLTV | propertyValuationPage | 66.6 | 67 | Loan Amount $xxxxxx / Appraised Value $xxxxxx = 66.60% is rounded up to 67%. |
| 841696 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | the1003Page | false | true | Borrower 1 is not FTHB verified from credit report. |
| 841696 | xxxxxx |  | xxxxxx | Borrower 1 Total Income | the1003Page | 7746.15 | 8028 | True Data is from the Lender's recalculation of income. Tape Data was an initial calculation. |
| 841696 | xxxxxx |  | xxxxxx | Monthly Hazard Insurance Premium | propertyInsurancePage | 191.33 | 191.34 | Difference of $0.01 due to rounding. |
| 841696 | xxxxxx |  | xxxxxx | Borrower 2 Total Income | the1003Page | 8061 | 9202 | True Data is from the Lender's recalculation of income. Tape Data was an initial calculation. |
| 841696 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 18.94 | 17.38 | Discrepancy in income calculated. Lender calculated $17,230, while the audit calculated $15,805.36. |
| 841696 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.29 | 32.37 | Discrepancy in income calculated. Lender calculated $17,230, while the audit calculated $15,805.36. |
| 841703 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 115492.53 | 115477.72 | Cash to Close is $115,492.53 |
| 841703 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type as 12 Month Bank Statement |
| 841705 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 993437.01 | 999691.04 | Updated as per Final CD-Cash to Close. |
| 841705 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | Full Doc | Subject loan income qualifying with Asset Depletion. |
| 841705 | xxxxxx |  | xxxxxx | Borrower 1 Other Income | the1003Page | 1 | 120809.87 | True data captured incorrectly. Updated Other Income as per Final 1003. |
| 841707 | xxxxxx |  | xxxxxx | Borrower 1 Origination TransUnion | creditLiabilitiesPage | 749 | 807 | Borrower 1 Origination xxxxxx score is 749 |
| 841707 | xxxxxx |  | xxxxxx | Borrower 2 Sex - Female | the1003Page | xxxxxx | xxxxxx | Borrower 2 is xxxxxx |
| 841707 | xxxxxx |  | xxxxxx | Borrower 2 Other Income | the1003Page | 3 | 2000 | Borrower 2 Other Income is $2,000 |
| 841707 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 327896.96 | -327728.76 | Cash to Close is to Borrower amount of $327,896.96 |
| 841707 | xxxxxx |  | xxxxxx | Borrower 2 Other Income Amount 2 | the1003Page | 2710 | 6406.56 | Borrower 2 Other Income Amount 2 is $2,710 |
| 841707 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Income qualified with xxxxxx & SSI, hence Verified Doc Type selected as Alt Doc.<br>|
| 841707 | xxxxxx |  | xxxxxx | Borrower 1 Other Income | the1003Page | 3 | 1500 | Borrower 1 Other Income is $1,500 |
| 841707 | xxxxxx |  | xxxxxx | Borrower 1 Other Income Amount 2 | the1003Page | 1554 | 3208.42 | Borrower 1 Other Income Amount 2 is $1,554 |
| 841707 | xxxxxx |  | xxxxxx | Borrower 1 Origination Experian | creditLiabilitiesPage | 746 | 807 | Borrower 1 Origination xxxxxx score is 746 |
| 841708 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 101863.44 | 101748.62 | Cash to Close verified from final CD. |
| 841711 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Subject loan income qualifying with 12 Month Bank Statements. |
| 841712 | xxxxxx |  | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <2% of Loan Amount or $2000 | Per GL's meets R/T criteria. |
| 841712 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per Initial 1003. |
| 841716 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 113457.96 | 115207.46 | Cash to Close verified from final CD. |
| 841716 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type is 12 Month Bank Statement confirmed. |
| 841718 | xxxxxx |  | xxxxxx | Borrower 2 Employer 1 Yrs on Job | the1003Page | 4.75 | 4 | Borrower 2 Employer 1 Yrs on Job verified from 1003. |
| 841718 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 43483.98 | 44746.09 | Cash to Close verified from final CD. |
| 841718 | xxxxxx |  | xxxxxx | Borrower 1 Income from Employment Total | employmentIncomePage | 7744 | 9131.46 | Borrower 1 Income from Employment Total Verified & updated as per 1003. |
| 841719 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 73407.01 | 74218.97 | Cash to Close Verified from final CD. |
| 841720 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Income Verified from 12 Month Bank Statement. |
| 841720 | xxxxxx |  | xxxxxx | Qualifying Monthly P&I Amount | notePage | 6074.76 | 4958.33 | Discrepancy is due to the 'Interest-Only Period Fixed Rate Note,' which specifies a monthly payment of $4,958.33 for the first 120 months, followed by a payment of $6,074.76 thereafter. However, Form 1008 correctly reflects the post-120-month P&I payment of $6,074.76, while the xxxxxx tab is only considering the P&I payment from the initial 120-month interest-only period. |
| 841721 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 401264.68 | 401794.73 | Cash to Close verified from final CD. |
| 841721 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | Full Doc | Verified from 24 Month Bank Statement. |
| 841725 | xxxxxx |  | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | True Data Property Address formatted as shown on the Note & Mortgage. |
| 841725 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 49061.02 | 49430.78 | Cash to Close is $49061.02 |
| 841725 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Verified Doc Type is 2YR Full Doc. |
| 841725 | xxxxxx |  | xxxxxx | Borrower 1 Other Income | the1003Page | 1 | 1434.2 | Borrower 1 Other Income is $1434.20<br>|
| 841869 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Tape considered the disbursement date on the Final CD as the note date. |
| 841869 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | 12 months business bank statements are used for income calculation and it's falls under Alt Doc category. |
| 841869 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.17 | 36.12 | Per gap credit report a trade line "xxxxxx #xxxxxx" with monthly payment of $615 was reported that the lender did not capture. |
| 843102 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | No prepayment penalty |
| 843106 | xxxxxx |  | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | First Payment Date is updated as per Note Document. |
| 843106 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity Date is updated as per Note document. |
| 843109 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Subject Property is 2-4 unit, Verified with Appraisal |
| 843110 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type updated as per Appraisal |
| 843111 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified subject property is a 2-4 unit property |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**selene atr qm detail**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 836105 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 836119 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 838810 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 838863 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2814.95 | Yes | Employed |  | No |  | No |  |
| 838866 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6797.04 | Yes | Employed |  | No |  | No |  |
| 838872 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2356.66 | Yes | Employed |  | No |  | No |  |
| 838883 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2621.2 | Yes | Employed |  | No |  | No |  |
| 838890 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5144.66 | Yes | Employed |  | No |  | No |  |
| 838893 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9021.4 | Yes | Employed |  | No |  | No |  |
| 838915 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 838919 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 839743 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8061.93 | Yes | Employed |  | No |  | No |  |
| 840050 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8184.77 | Yes | Employed |  | No |  | No |  |
| 840084 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840087 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15311.16 | Yes | Employed |  | No |  | No |  |
| 840088 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6512.19 | Yes | Employed |  | No |  | No |  |
| 840089 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7364.83 | Yes | Employed |  | No |  | No |  |
| 840092 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12808.47 | Yes | Employed |  | No |  | No |  |
| 840093 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4419.14 | Yes | Employed |  | No |  | No |  |
| 840094 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32969.65 | Yes | Employed | Employed | No | No | No |  |
| 840095 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6097.16 | Yes | Employed |  | No |  | No |  |
| 840097 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22658.33 | Yes | Employed |  | No |  | No |  |
| 840098 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39418.89 | Yes | Employed | Not Employed | No | No | No |  |
| 840099 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 984514.54 | Yes | Employed |  | No |  | Yes | Present |
| 840102 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 840113 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2903.97 | Yes | Employed |  | No |  | No |  |
| 840115 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4072.97 | Yes | Employed |  | No |  | No |  |
| 840116 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6837.03 | Yes | Employed |  | No |  | No |  |
| 840119 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4040.8 | Yes | Employed |  | No |  | No |  |
| 840120 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8048.61 | Yes | Employed |  | No |  | No |  |
| 840121 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15563.39 | Yes | Employed |  | No |  | No |  |
| 840122 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18668.45 | Yes | Employed |  | No |  | No |  |
| 840126 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4312.7 | Yes | Employed | Employed | No | No | No |  |
| 840127 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3071.03 | Yes | Employed |  | No |  | No |  |
| 840130 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6844.87 | Yes | Employed | Employed | No | No | No |  |
| 840131 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10151.83 | Yes | Employed |  | No |  | No |  |
| 840134 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36614.55 | Yes | Employed |  | No |  | No |  |
| 840333 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37539.33 | Yes | Employed |  | No |  | No |  |
| 840878 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13306.57 | Yes | Employed |  | No |  | No |  |
| 840968 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22984.56 | Yes | Employed |  | No |  | No |  |
| 841041 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39061.29 | Yes | Employed |  | No |  | No |  |
| 841131 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32384.58 | Yes | Employed |  | No |  | No |  |
| 841365 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7884.99 | Yes | Employed |  | No |  | No |  |
| 841397 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5773.59 | Yes | Employed | Not Employed | No | No | No |  |
| 841399 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4981.28 | Yes | Employed |  | No |  | No |  |
| 841402 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16500.41 | Yes | Employed | Employed | No | No | No |  |
| 841403 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11707.29 | Yes | Employed |  | No |  | Yes | Present |
| 841404 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3662.02 | Yes | Employed |  | No |  | No |  |
| 841405 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11657.74 | Yes | Employed |  | No |  | No |  |
| 841406 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14121.95 | Yes | Employed |  | No |  | No |  |
| 841408 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30892.21 | Yes | Employed | Not Employed | No | No | No |  |
| 841409 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 120227.4 | Yes | Employed |  | No |  | No |  |
| 841427 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4371.01 | Yes | Employed |  | No |  | No |  |
| 841428 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31133.86 | Yes | Employed |  | No |  | Yes | Present |
| 841629 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28153.29 | Yes | Employed |  | No |  | No |  |
| 841689 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7694.6 | Yes | Employed | Retired | No | No | No |  |
| 841691 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25935.3 | Yes | Employed |  | No |  | No |  |
| 841692 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44864.16 | Yes | Employed |  | No |  | No |  |
| 841693 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11359.34 | Yes | Employed |  | No |  | No |  |
| 841694 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12102.85 | Yes | Employed |  | No |  | No |  |
| 841695 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17246.45 | Yes | Employed |  | No |  | No |  |
| 841696 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10230.32 | Yes | Employed | Employed | No | No | No |  |
| 841700 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82114.41 | Yes | Employed | Not Employed | No | No | No |  |
| 841703 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4799.74 | Yes | Employed |  | No |  | No |  |
| 841705 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 111393.6 | Yes | Not Employed | Not Employed | No | No | No |  |
| 841707 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7300.68 | Yes | Retired | Retired | No | No | Yes | Present |
| 841708 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5184.13 | Yes | Employed |  | No |  | No |  |
| 841709 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19141.65 | Yes | Employed | Not Employed | No | No | No |  |
| 841711 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11409.56 | Yes | Employed |  | No |  | No |  |
| 841712 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5802.65 | Yes | Employed |  | No |  | No |  |
| 841716 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10339.38 | Yes | Employed |  | No |  | No |  |
| 841717 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67064.27 | Yes | Employed |  | No |  | No |  |
| 841718 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7821.23 | Yes | Employed | Employed | No | No | Yes | Present |
| 841719 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8281.62 | Yes | Not Employed | Employed | No | No | No |  |
| 841720 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 71308.61 | Yes | Employed |  | No |  | Yes | Present |
| 841721 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45084.95 | Yes | Employed |  | No |  | No |  |
| 841723 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4560.55 | Yes | Employed |  | No |  | No |  |
| 841724 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7525.42 | Yes | Not Employed | Employed | No | No | No |  |
| 841725 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28307.98 | Yes | Employed | Employed | No | No | No |  |
| 841869 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18547.83 | Yes | Employed |  | No |  | No |  |
| 842415 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62018.84 | Yes | Employed |  | No |  | No |  |
| 843101 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 81215.93 | Yes | Employed |  | No |  | No |  |
| 843102 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18373.66 | Yes | Employed |  | No |  | No |  |
| 843106 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6492.44 | Yes | Employed |  | No |  | No |  |
| 843109 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 430448.78 | Yes | Employed |  | No |  | Yes | Present |
| 843110 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 430498.39 | Yes | Employed |  | No |  | Yes | Present |
| 843111 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 430498.39 | Yes | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**selene VALUATIONs REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 836105 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 |
| 836119 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 838810 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 61.17 | 61.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-21-2025 |
| 838863 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 83.75 | 83.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-16-2025 |
| 838866 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838872 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 57.32 | 57.32 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-28-2025 |
| 838883 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 74.08 | 74.08 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-29-2025 |
| 838890 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 838893 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 73.96 | 73.96 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-23-2025 |
| 838915 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-18-2025 | 1004 URAR | xxxxxx | 69.54 | 69.54 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838919 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 76.5 | 76.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 839743 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 840050 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 06-09-2025 |
| 840084 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1073 Individual Condo Report | xxxxxx | 68.92 | 68.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-03-2025 |
| 840087 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 |
| 840088 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 840089 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-02-2025 |
| 840092 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-25-2025 |
| 840093 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-13-2025 |
| 840094 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 840095 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-31-2025 |
| 840097 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 |
| 840098 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-24-2025 |
| 840099 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-15-2025 |
| 840102 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 42.73 | 42.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-17-2025 |
| 840113 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 46.15 | 46.15 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-30-2025 |
| 840115 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-25-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-17-2025 |
| 840116 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-23-2025 |
| 840119 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 |
| 840120 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-20-2025 |
| 840121 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 |
| 840122 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 |
| 840126 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 77.33 | 77.33 | xxxxxx | xxxxxx | .0083 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0083 | 06-05-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-05-2025 |
| 840127 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-26-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-27-2025 |
| 840130 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-10-2025 |
| 840131 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 68.42 | 68.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-03-2025 |
| 840134 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-18-2025 |
| 840333 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 73.95 | 73.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2025 |
| 840878 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-04-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 | Eligible |  |  |
| 840968 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841041 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-09-2025 |
| 841131 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-23-2025 | Eligible |  |  |
| 841365 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-14-2025 | 1004 URAR | xxxxxx | 89.02 | 89.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841397 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-04-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 06-12-2025 |
| 841399 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2025 |
| 841402 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 841403 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-09-2025 |
| 841404 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841405 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 |
| 841406 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 05-29-2025 |
| 841408 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 06-28-2025 |
| 841409 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 71.86 | 71.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-15-2025 |
| 841427 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 841428 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-24-2025 |
| 841629 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 | Eligible |  |  |
| 841689 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 05-06-2025 |
| 841691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-19-2025 |
| 841692 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 841693 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | .0115 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0115 | xxxxxx | Low Risk | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841694 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | 04-21-2025 |
| 841695 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.1966 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0043 | 05-22-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1966 | xxxxxx | High Risk | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841696 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 66.6 | 66.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 | 04-21-2025 |
| 841700 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 79.59 | 79.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-06-2025 |
| 841703 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841705 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 44.2 | 44.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 05-06-2025 |
| 841707 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-11-2024 | 1004 URAR | xxxxxx | 74.95 | 74.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841708 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 841709 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841711 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 05-06-2025 |
| 841712 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 78.57 | 78.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-04-2025 |
| 841716 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841717 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-25-2025 |
| 841718 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-11-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 841719 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 841720 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841721 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 61.9 | 61.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841723 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 70.69 | 70.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-07-2025 |
| 841724 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841725 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-27-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 | 02-26-2025 |
| 841869 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | 74.39 | 74.39 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 842415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 843101 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-13-2025 |
| 843102 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 843106 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 |
| 843109 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-03-2025 |
| 843110 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843111 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-03-2025 |

---

## Exhibit 99.29

**EXHIBIT 99.29**

**Clayton Services llc ("clayton") due diligence narrative report**

![](tm2524220d1_ex99-29img01.jpg)

![](tm2524220d1_ex99-29img02.jpg)

**August 22, 2025<br> Due Diligence Narrative Report**![](tm2524220d1_ex99-29img01.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | 3 |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 7 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

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Verus 2025-8 Due Diligence Narrative Report Page \| 1 August 22, 2025

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**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![*](tm2524220d1_ex99-29img03.gif) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![*](tm2524220d1_ex99-29img03.gif) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: jozment@clayton.com |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 46 residential loans selected for Verus 2025-8. The loans referenced in this narrative report were reviewed from 4/2025 to 7/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 46 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 44 | 95.65% |
| Retail | 2 | 4.35% |
| **Total** | **46** | **100.00%** |

---

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

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

Verus 2025-8 Due Diligence Narrative Report Page \| 2 August 22, 2025

![](tm2524220d1_ex99-29img01.jpg)

Sampling

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

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 46 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 46 |  |

---

Sponsor Acquisition Criteria

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

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

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by Kroll Bond Rating Agency, LLC ("KBRA") and S&P Global Ratings ("S&P").

Verus 2025-8 Due Diligence Narrative Report Page \| 3 August 22, 2025

![](tm2524220d1_ex99-29img01.jpg)

TPR Component Review Scope

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

Credit Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor
Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR Loans- Reviewed lease agreements and third-party market rent documents
to confirm compliance with Debt-Service-Coverage-Ratio requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the
Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status
alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

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

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

---

| | |
|:---|:---|
| ▪ | Value Supported Analysis (46 loans) |
|  | Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall: |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full Appraisal

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

Verus 2025-8 Due Diligence Narrative Report Page \| 4 August 22, 2025

![](tm2524220d1_ex99-29img01.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

Verus 2025-8 Due Diligence Narrative Report Page \| 5 August 22, 2025

![](tm2524220d1_ex99-29img01.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

Verus 2025-8 Due Diligence Narrative Report Page \| 6 August 22, 2025

![](tm2524220d1_ex99-29img01.jpg)

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

Data Integrity

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

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

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

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

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

Data Capture

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

Verus 2025-8 Due Diligence Narrative Report Page \| 7 August 22, 2025

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**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | 1 | 97.83% |
| &nbsp;&nbsp;Borrower 1 Total Income | 5 | 89.13% |
| &nbsp;&nbsp;Borrower 2 First Name | 1 | 97.83% |
| &nbsp;&nbsp;Cash Reserves | 17 | 63.04% |
| &nbsp;&nbsp;Combined LTV | 8 | 82.61% |
| &nbsp;&nbsp;Credit Report Date | 2 | 95.65% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 6 | 86.96% |
| &nbsp;&nbsp;Disbursement Date | 8 | 82.61% |
| &nbsp;&nbsp;Loan Purpose | 4 | 91.30% |
| &nbsp;&nbsp;Months Reserves | 13 | 71.74% |
| &nbsp;&nbsp;Next Payment Change Date | 4 | 91.30% |
| &nbsp;&nbsp;Original Appraisal Date | 5 | 89.13% |
| &nbsp;&nbsp;Original Appraised Value | 3 | 93.48% |
| &nbsp;&nbsp;Product Type | 5 | 89.13% |
| &nbsp;&nbsp;Property Type | 1 | 97.83% |
| &nbsp;&nbsp;Total Cash Out | 27 | 41.30% |
| &nbsp;&nbsp;Total Monthly Income | 5 | 89.13% |

---

Verus 2025-8 Due Diligence Narrative Report Page \| 8 August 22, 2025

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 31 |  | 4 | 8 | **43** |
| **Final** | **B** |  | 2 | 1 |  | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **31** | **2** | **5** | **8** | **46** |

---

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 31 |  | 4 | 8 | **43** |
| **Final** | **B** |  | 2 | 1 |  | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **31** | **2** | **5** | **8** | **46** |

---

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

**Initial and Final Credit Component Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 36 |  | 2 | 5 | **43** |
| **Final** | B |  | 2 | 1 |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **36** | **2** | **3** | **5** | **46** |

---

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 36 |  | 2 | 5 | **43** |
| **Final** | B |  | 2 | 1 |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **36** | **2** | **3** | **5** | **46** |

---

Verus 2025-8 Due Diligence Narrative Report Page \| 9 August 22, 2025

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**Initial and Final Property Valuation Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 41 |  | 3 | 2 | **46** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **41** | **0** | **3** | **2** | **46** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 41 |  | 3 | 2 | **46** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **41** | **0** | **3** | **2** | **46** |

---

**Initial and Final Regulatory Compliance Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 27 |  | 2 | 1 | **30** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **27** | **0** | **2** | **1** | **30** |

---

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 27 |  | 2 | 1 | **30** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **27** | **0** | **2** | **1** | **30** |

---

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

Verus 2025-8 Due Diligence Narrative Report Page \| 10 August 22, 2025

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**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Valuation Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Rating Agency Grades 2.0

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Business Purpose Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Non/QM ATR Upload

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

o Borrower eligibility, including: <br> - Citizenship status <br> - Non-occupant co-borrower

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | Transaction eligibility, including: |
|  | - Maximum loan amount |
|  | - Loan purpose |
|  | - Occupancy |

---

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

Verus 2025-8 Due Diligence Narrative Report Page \| 11 August 22, 2025

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

Verus 2025-8 Due Diligence Narrative Report Page \| 12 August 22, 2025

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- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

Verus 2025-8 Due Diligence Narrative Report Page \| 13 August 22, 2025

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

Verus 2025-8 Due Diligence Narrative Report Page \| 14 August 22, 2025

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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

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

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

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

Verus 2025-8 Due Diligence Narrative Report Page \| 15 August 22, 2025

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property
relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer.
The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date
of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting
narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also
contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear
Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the
file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original
appraiser's methodologies, credentials, and commentary to ensure compliance with regulatory requirements and industry accepted best
practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton tests whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

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**B.** **State/Local High Cost** 

Clayton tests whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high-cost testing:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

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**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

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See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

Verus 2025-8 Due Diligence Narrative Report Page \| 22 August 22, 2025

![](tm2524220d1_ex99-29img01.jpg)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

Verus 2025-8 Due Diligence Narrative Report Page \| 23 August 22, 2025

## Exhibit 99.30

**EXHIBIT 99.30**

**clayton conditions report**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-8** |
| **Start - End Dates:** | **4/07/2025 - 7/24/2025** |
| **Deal Loan Count:** | **46** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *46* |
| ***Loans with Conditions:*** | *15* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Property Valuations Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 833508 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 4-8-25: Client uploaded final HUD1. | 4-8-25: xxxxxx reviewed final HUD1. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $114,425.94, 11.45 months reserves, 6 months required. |
| 836174 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | The 2 months of reserves are required per the guidelines. The file is missing proof of assets as listed on the final 1003. | (No Data) | VOD provided for cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 836990 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: The borrowers have month reserves after closing. |
| 837236 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Median FICO 755 >55 points above guideline program minimum of 700 for DSCR < 1.0% and loan amount <= 1.5 million.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has significant time at current residence, 18 years and 0 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 48 months with 0x30 Mortgage payment history |
| 837302 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Fraud report does not reflect the appraiser xxxxxx/AppraisalTEC checked against watch list. | 6-6-25: Client uploaded fraud report. | 6-6-25: xxxxxx reviewed the uploaded fraud report with appraiser cleared. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 728 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: Subject Mortgage payment history of 71 months exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash reserves = $517,389.23, 47.35 months. 6 months required.<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: Borrower has minimal use of credit with credit usage ratio of 19.57%. |
| 837302 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.Note: UCDP and Desk review in file are based on appraisal dated xxxxxx by xxxxxx and appraisal in file is dated xxxxxx by xxxxxx. | 6-6-25: Client uploaded UCDP. | 6-6-25: xxxxxx reviewed UCDP, it verifies CU 1.2 on appraisal done xxxxxx by xxxxxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 728 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: Subject Mortgage payment history of 71 months exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash reserves = $517,389.23, 47.35 months. 6 months required.<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: Borrower has minimal use of credit with credit usage ratio of 19.57%. |
| 837306 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post close assets are $19,117,87, 5.34 months; 6 months required. Assets verified are xxxxxx $41,272.09 and gift $109,980, gift not eligible for reserves. | 5-28-25 Client uploaded asset statement.5-29-25 Client explained that loan funded xxxxxx and balance was xxxxxx. 06.02.25 - Acknowledged by client. | 5-28-25 xxxxxx reviewed asset statement for shortage of $2,349.23 in reserves from xxxxxx dated xxxxxx. Statement is dated after closing xxxxxx and the Balance on xxxxxx is $2,001.71 which is still short and the verification would not be 30 days. Exception remains. xxxxxx xxxxxx reviewed the file and xxxxxx assets. To meet cash reserve requirement it must be verified no later than the note date and requires a 30 day history. xxxxxx deems exception non-material/non-fatal to lending decision as additional assets were provided post closing (xxxxxx $4,000) that cover shortage of $2,349.23. Exception remains. xxxxxx - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has been at current residence for 6 years<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxxxxx Comments: Gross Rents exceed >1.00%$5,040.00/PITI $3,577.85 = 1.4087% DSCR |
| 837634 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Verified assets $52,461.80 or 20 months PITI. No reserves are required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 100 points above guideline minimum |
| 837639 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 60.96% LTV for Subject Property is below guideline max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Median FICO 755 >55 points above guideline program minimum of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has significant time at current residence, 18 years and 0 months. |
| 837859 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 20.60 months of reserves in file.<br>CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $54,500 above the required $136,250 down payment for a total down payment of $190,750. |
| 838082 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D C | A | A D C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH2416 | Questionable factors on credit report | No | Missing inquiry letter for inquiries on xxxxxx with xxxxxx to determine if any new credit established | 6-23-25 Client uploaded letter. | 6-23-25 xxxxxx reviewed letter. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: CLTV 54.38% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score 733 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $120,057.61, 20.03 months reserves, 0 months required |
| 838082 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D C | A | A D C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL136 | Missing copy of 1st lien Note (subject is 2nd lien) | No | Missing copy of the 1st mtg Note. | 6-23-25 Client uploaded note. | 6-23-25 xxxxxx reviewed note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: CLTV 54.38% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score 733 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $120,057.61, 20.03 months reserves, 0 months required |
| 838082 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR239 | Reduced appraisal form does not meet guidelines | No | Guidelines allow primary valuation as an AVM within 90 days of the note date along with a new property condition report which was provided. AVM was outside of the FSD acceptable range therefore value not supported. Lender provided a Exterior drive by appraisal xxxxxx, however per Matrix a Full appraisal is required when AVM has less than 90% confidence factor. | 6-20-25 Client uploaded AVM dated xxxxxx. | 6-23-25 xxxxxx reviewed the AVM dated xxxxxx and The xxxxxx Matrix. AVM supports value within 10% and has an acceptable FSD score with confidence score of 93% for secondary valuation of Original AVM dated xxxxxx and Exterior drive by appraisal dated xxxxxx cured the AVM deficiency and is acceptable per The xxxxxx Matrix dated xxxxxx from the consolidated xxxxxx Matrix 4-1-25. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: CLTV 54.38% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score 733 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $120,057.61, 20.03 months reserves, 0 months required |
| 838265 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash reserves = $1,228,420.76, 352.52 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $26,000 above the required $130,000 down payment for a total down payment of $156,000. |
| 838267 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing evidence documents were notarized at a xxxxxx Embassy or consular official. If the xxxxxx. embassy or consular official is unavailable, a notary is acceptable if the country, where signing is taking place, is part of the xxxxxx xxxxxx and the signed documents are accompanied by an xxxxxx.Documents were signed in xxxxxx with a notary. | 5-20-25 Client uploaded xxxxxx. | 5-20-25 xxxxxx reviewed xxxxxx which matches notary. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $12,748.02, 6.39 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - xxxxxx Comments: DSCR: 1.1033 (Rent $2200 / Expenses $1993.96) |
| 838269 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $72,925 above the required $114,875 down payment for a total down payment of $187,800.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 59.13% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $244,705.19, 77.31 months; 6 months reserves required. |
| 838278 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1746: Significant housing expense reduction<br> - xxxxxx Comments: Borrower current PITI is $2,308.34; Subject PITI is $1,690.14. Monthly savings of $618.20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $10.915.65, 6.46 months; 6 months required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxxxxx Comments: Borrower pay history on mortgages shows no late payments. |
| 838302 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 60% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash reserves = $40,180.12, 6.44 months. 6 months required.<br>CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $81,200 above the required $243,600 down payment for a total down payment of $324,800. |
| 838345 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has occupied primary residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing assets: $89,472.44 (33.54 months PITIA reserves) > minimum required reserves of $0.00<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 41.38% LTV < max permitted of 80% |
| 838364 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 8 years and 1 months.<br>CFCFS2854: Significant time in profession<br> - xxxxxx Comments: Significant time in profession, 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Median FICO of 713 exceeds the guideline program minimum of 700. |
| 839397 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 34.32% is below the maximum allowable 50%.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrowers have occupied primary residence for 9 years.<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: Minimal use of available revolving credit @ 9.72%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 734 mid score > minimum required of 700 |
| 839587 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 755 is above the required 740.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 21 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: 24.63 DTI below max 50% |
| 839604 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | Per Guidelines, max CLTV is 80% for credit scores above 700. Loan closed at CLTV 80.82%, first mortgage closed at a loan balance xxxxxx. | 07.01.2025 - Acknowledged by client | 07.01.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 709 exceeds the minimum of 700<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 34.38% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $46096.93, 15.01 months reserves, 0 months required<br>CFCFS2854: Significant time in profession<br> - xxxxxx Comments: CPA verifies in business for 10 years |
| 839633 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 10 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 52.84% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 823 qualifying credit score score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 106 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 163 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 23.39 months of reserves in file. 6 months required. |
| 839634 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 33.33%. G/l max is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying fico is 794. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 71.74 months piti reserves |
| 839642 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 745 mid-score per CBR. 680 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 54.79% LTV approved; 65% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 87 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 43.66 months of reserves in file. 6 months required. |
| 839644 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post closing reserves $18,999.32, 5.59 months; 6 months reserves required.$3,398.38 \*6 = $20,390.28 Post closing reserves $18,999.32 = $1,390.96 short reserves.xxxxxx deems non-material/non-fatal to lending decision due to shortage of less than a half of a month PITI and the following compensating factors: 19 months mortgage history/12 months required and payment reduction of $463.76 per month. | 06/24/25 - Acknowledged by client. | 06/24/25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has resided at current residence for 22 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 19 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1746: Significant housing expense reduction<br> - xxxxxx Comments: Current PI payment is $2,991.96; Subject PI is $2,528.20. Monthly savings of $463.76. |
| 839645 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 19.23%. G/l max is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying fico is 755. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: 8% consumer credit utilization in file |
| 839680 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has resided at current residence for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 74.457% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $32,455.11; 11.23 months; 6 months reserves are required |
| 839682 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | Missing master condo flood insurance verification as required by guidelines 1.9.10.5.3. File has copy of individual unit flood coverage, master policy required. | 6-13-25: client uploaded another copy of individual property flood policy stating the HOA does not carry a master flood policy. | 6-13-25: xxxxxx reviewed the individual flood policy and reviewed the project legal documents in the file. The project is partially in a flood area and master flood policy not issued. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has been at current residence for 27 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $36,022.36, 7.2 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score is 754 and minimum is 700 |
| 839684 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has been at current residence for 11 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $244,433.71, 92.54 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score is 747 and minimum is 660 |
| 839837 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | C | A | C | A | A | A C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | The xxxxxx indicate no more than 1x30x12 on housing history. The credit report reflects 2x30x12 (11/2024 & 10/2024) on xxxxxx (collateral is an investment property). | Per the matrix, a housing history of 0x60 is allowed with a max LTV of 80% for purchase and 75% for refi. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Borrower has $748,939.22 or 61.32 months reserves. |
| 839837 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | C | A | C | A | A | A C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Unit xxxxxx square feet, guidelines require 400 square feet minimum on 2-8 unit properties. | Subject property is a xxxxxx unit property with the xxxxxx being an xxxxxx. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Borrower has $748,939.22 or 61.32 months reserves. |
| 839888 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 22 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $127,011.11, 82.29 months; 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 839889 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: The borrowers have resided at current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 13 years and 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Median FICO of 742 exceeds the guideline program minimum of 740. |
| 839900 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing page 1 of 1003 | 6-23-25 Client uploaded 1003. | 6-23-25 xxxxxx reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV 70% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $18900.33, 11.41 reserves, 6 months required |
| 839901 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $63,506.98 or 23 months piti reserves. 6 months required. |
| 839903 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation Appraiser is cleared from the SAM.Gov. Document in file supports xxxxxx is cleared by the Sam.Gov. xxxxxx Participants verified appraiser is cleared from the ASC. | 6-19-25: client uploaded SAM.gov search for appraiser. | 6-19-25: xxxxxx reviewed SAM.gov search for appraiser, xxxxxx; search is clear. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $109020.45, 46.43 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 10 years residing in primary residence and 10 years ownership of subject property |
| 839904 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $223436.29, 78.48 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 15 years residing in current primary per 1003 |
| 839927 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has resided at current residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 70% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $21,493.27; 13.96 months; 6 months reserves are required |
| 840049 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash reserves = $390,395.69, 221.67 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $16,250 above the required $81,250 down payment for a total down payment of $97,500. |
| 840065 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV 70% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $444,768.82, 297.55 months reserves, 6 months required |
| 840255 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrowers have been at current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 56.81% and maximum is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves: $19,248.06, 11.74 months; no reserves required. |
| 840612 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has been at current residence for 7 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: Borrower is 0\*30 past 36 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $144,952.05 or 31.39 months piti reserves. 6 months required. |
| 840640 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | C | A D | C | A | D | A | D | A | A | A | C | A D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of 60.00 due to origination fee added/increased with no/invalid internal COCin file. Provide Internal COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via shipping method including tracking information within 60 days of discovery. | 5/20/2025 - A valid change in loan terms occurred the loan amount increased from xxxxxx to xxxxxx per the borrower's request. As a result of this loan amount change, the Origination Fee increased from $3,700.00 to $3,760.00 to reflect updated pricing tied to the loan amount. This COC entry was included in the initial CD (which has also been re-uploaded for reference) and the fee increase was not arbitrary but was tied to a borrower-requested change.xxxxxx - Loan updated with information pertaining to fees that increased/decreased with a valid COC. | 06/19/2025 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score 755 exceeds guideline of 680<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI 43.34% is below guideline of 49.99%<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: 7 years at current job |
| 840640 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | C | A D | C | A | D | A | D | A | A | A | C | A D | C | A D | C | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing Verification of Mortgage with origination date not reflecting future date. Verification of Mortgage in file Dated xxxxxx. | 6/30/25 Client provided VOM dated 4/30/25 for term of xxxxxx to xxxxxx with 0x30. | 6/30/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score 755 exceeds guideline of 680<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI 43.34% is below guideline of 49.99%<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: 7 years at current job |
| 840713 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: 12 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI > 10 points below guideline maximum canceled.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 120 points above guideline minimum |
| 840902 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | xxxxxx Home Equity | Satisfied C A | CMPTXHE108 | xxxxxx Equity - Total fees greater than the allowable cap | No | xxxxxx Equity Fees Exceeds Allowable Threshold. | 07/15/2025 - Kindly see if this condition can be waived. The subject loan is a purchase money transaction, not a refinance. The referenced guideline regarding the xxxxxx fee cap is applicable only to primary residence refinance transactions. As such, the condition does not apply to this loan. xxxxxx. | 07/16/2025 - Reviewed fees and loan type; Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $4,000.86 or 1.53 months PITIA. No reserves are required.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI > 10 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 10 points above guideline minimum |
| 841008 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $252,486.74 or 33.66 months PITI. No reserves are required<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI > 10 points below guideline maximum |
| 842096 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. The following applies as xxxxxx AVM dated xxxxxx was provided.AVM within 90- days of Note date (If primary valuation based on an AVM, review must be a different vendor) If two AVMs are ordered, the AVM with the higher FSD (closest to zero) will be treated as the primary valuation product.o The second AVM will be treated as the secondary valuation product and must support the primary AVM within 10%.o If both AVMs have the same FSD, the lower of the two property values must be utilized for determining the CLTV. | 7-23-25 Client responded: The AVM is dated w/in 90 days of Note Date. Note date for subject loan is xxxxxx. Please waive condition xxxxxx Client uploaded first AVM from xxxxxx. | 7-23-25 xxxxxx reviewed file. The exception is for the updated valuation that is missing. The original valuation is the AVM - guidelines still require an Appraisal review product (section 2.16.1.3). Exception remains. xxxxxx xxxxxx reviewed xxxxxx AVM dated xxxxxx and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 73.51% CLTV below guideline requirements of 75% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Median FICO of 797 exceeds the guideline program minimum of 740.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 15 years and 6 months. |
| 842949 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Borrower has $166,294.06 or 10.76 months reserves. |

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## Exhibit 99.31

**EXHIBIT 99.31**

**Clayton loan level tape compare upload**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-8 |
| **Start - End Dates:** | 4/07/2025 - 7/24/2025 |
| **Deal Loan Count:** | 46 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *46* |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 833508 | xxxxxx | Cash Reserves | 581808.00 | 114425.94 |
| 833508 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 833508 | xxxxxx | Months Reserves | 58.00 | 11.45 |
| 833508 | xxxxxx | Total Cash Out | (7062.09) | 0.00 |
| 837236 | xxxxxx | Debt to Income Ratio (Back) | 50.4100 | 0.0000 |
| 837236 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 837236 | xxxxxx | Debt to Income Ratio (Back) | 50.4100 | 0.0000 |
| 837236 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 837302 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 837302 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 837302 | xxxxxx | Total Cash Out | 517389.23 | 597878.81 |
| 837306 | xxxxxx | Cash Reserves | 41272.09 | 19117.87 |
| 837306 | xxxxxx | Months Reserves | 36.00 | 5.34 |
| 837306 | xxxxxx | Total Cash Out | 22154.22 | 0.00 |
| 837639 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 837639 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 837859 | xxxxxx | Cash Reserves | 270396.69 | 71462.58 |
| 837859 | xxxxxx | Total Cash Out | 198934.11 | 0.00 |
| 838082 | xxxxxx | Borrower 1 Total Income | 14419.85 | 15076.15 |
| 838082 | xxxxxx | Combined LTV | 9.03 | 52.23 |
| 838082 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 838082 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 838082 | xxxxxx | Total Monthly Income | 14419.85 | 15076.15 |
| 838265 | xxxxxx | Cash Reserves | 1281802.64 | 1228420.76 |
| 838265 | xxxxxx | Months Reserves | 412.00 | 352.52 |
| 838265 | xxxxxx | Total Cash Out | 154513.39 | 0.00 |
| 838267 | xxxxxx | Cash Reserves | 97448.00 | 12748.02 |
| 838267 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 838267 | xxxxxx | Total Cash Out | 84840.28 | 0.00 |
| 838269 | xxxxxx | Cash Reserves | 450042.00 | 244705.19 |
| 838269 | xxxxxx | Total Cash Out | 205491.01 | 0.00 |
| 838278 | xxxxxx | Cash Reserves | 35915.65 | 10915.65 |
| 838278 | xxxxxx | Months Reserves | 4.00 | 6.46 |
| 838278 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 838278 | xxxxxx | Total Cash Out | (620.33) | 0.00 |
| 838302 | xxxxxx | Cash Reserves | 407472.07 | 40180.12 |
| 838302 | xxxxxx | Months Reserves | 9.00 | 6.44 |
| 838302 | xxxxxx | Property Type | SFR | High Rise Condo (9+) |
| 838302 | xxxxxx | Total Cash Out | 351049.14 | 0.00 |
| 838345 | xxxxxx | Cash Reserves | 343278.93 | 89472.44 |
| 838345 | xxxxxx | Total Cash Out | 253806.49 | 0.00 |
| 838364 | xxxxxx | Combined LTV | 21.27 | 63.78 |
| 838364 | xxxxxx | Total Cash Out | 20.42 | 0.00 |
| 839397 | xxxxxx | Borrower 1 Total Income | 10785.06 | 10343.90 |
| 839397 | xxxxxx | Combined LTV | 12.43 | 65.00 |
| 839397 | xxxxxx | Credit Report Date | 03/11/2025 | 03/12/2025 |
| 839397 | xxxxxx | Debt to Income Ratio (Back) | 44.1370 | 34.3248 |
| 839397 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 839397 | xxxxxx | Total Cash Out | 136824.49 | 136043.24 |
| 839397 | xxxxxx | Total Monthly Income | 21659.89 | 21526.62 |
| 839587 | xxxxxx | Combined LTV | 20.77 | 75.06 |
| 839587 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 839587 | xxxxxx | Total Cash Out | 165944.98 | 165856.72 |
| 839604 | xxxxxx | Borrower 1 Total Income | 7367.18 | 7351.57 |
| 839604 | xxxxxx | Combined LTV | 10.31 | 80.82 |
| 839604 | xxxxxx | Credit Report Date | 03/31/2025 | 03/20/2025 |
| 839604 | xxxxxx | Debt to Income Ratio (Back) | 38.2430 | 34.3813 |
| 839604 | xxxxxx | Total Monthly Income | 14734.36 | 14703.14 |
| 839633 | xxxxxx | Borrower 2 First Name | xxxxxx | xxxxxx |
| 839644 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 839644 | xxxxxx | Total Cash Out | 6640.12 | 0.00 |
| 839645 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 839645 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 839645 | xxxxxx | Total Cash Out | 67420.81 | 90567.69 |
| 839680 | xxxxxx | Cash Reserves | 139300.40 | 32455.11 |
| 839680 | xxxxxx | Combined LTV | 70.24 | 74.45 |
| 839680 | xxxxxx | Months Reserves | 84.00 | 11.23 |
| 839680 | xxxxxx | Total Cash Out | 103663.71 | 0.00 |
| 839682 | xxxxxx | Cash Reserves | 201827.12 | 36022.36 |
| 839682 | xxxxxx | Months Reserves | 73.00 | 7.20 |
| 839682 | xxxxxx | Total Cash Out | 165805.00 | 0.00 |
| 839888 | xxxxxx | Cash Reserves | 295164.00 | 127011.11 |
| 839888 | xxxxxx | Months Reserves | 135.00 | 82.29 |
| 839888 | xxxxxx | Total Cash Out | 86179.77 | 0.00 |
| 839889 | xxxxxx | Borrower 1 Total Income | 26969.05 | 26145.78 |
| 839889 | xxxxxx | Combined LTV | 31.76 | 79.99 |
| 839889 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 839889 | xxxxxx | Total Cash Out | 387356.32 | 387604.29 |
| 839889 | xxxxxx | Total Monthly Income | 26969.05 | 26145.78 |
| 839900 | xxxxxx | Cash Reserves | 125779.71 | 18900.33 |
| 839900 | xxxxxx | Months Reserves | 141.00 | 11.41 |
| 839900 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 839900 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 839900 | xxxxxx | Total Cash Out | 107799.90 | 0.00 |
| 839901 | xxxxxx | Cash Reserves | 221864.00 | 63506.98 |
| 839901 | xxxxxx | Months Reserves | 37.00 | 23.00 |
| 839901 | xxxxxx | Total Cash Out | 119845.34 | 0.00 |
| 839904 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 839927 | xxxxxx | Cash Reserves | 354050.47 | 21493.27 |
| 839927 | xxxxxx | Months Reserves | 300.00 | 13.96 |
| 839927 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 839927 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 839927 | xxxxxx | Total Cash Out | 107207.25 | 0.00 |
| 840049 | xxxxxx | Cash Reserves | 490949.33 | 390395.69 |
| 840049 | xxxxxx | Months Reserves | 343.00 | 221.67 |
| 840049 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 840049 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 840049 | xxxxxx | Total Cash Out | 113673.52 | 0.00 |
| 840065 | xxxxxx | Cash Reserves | 490949.33 | 444768.82 |
| 840065 | xxxxxx | Months Reserves | 266.00 | 297.55 |
| 840065 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 840065 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 840065 | xxxxxx | Total Cash Out | 93284.29 | 0.00 |
| 840255 | xxxxxx | Total Cash Out | 8300.29 | 0.00 |
| 840612 | xxxxxx | Total Cash Out | 12620.67 | 0.00 |
| 840640 | xxxxxx | Debt to Income Ratio (Back) | 47.5600 | 43.3443 |
| 840640 | xxxxxx | Debt to Income Ratio (Back) | 47.5600 | 43.3443 |
| 840713 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 840713 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842096 | xxxxxx | Borrower 1 Total Income | 25331.58 | 24331.88 |
| 842096 | xxxxxx | Combined LTV | 22.10 | 73.40 |
| 842096 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 842096 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 842096 | xxxxxx | Total Cash Out | 143151.94 | 171942.92 |
| 842096 | xxxxxx | Total Monthly Income | 25331.58 | 24331.88 |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.32

**EXHIBIT 99.32**

**Clayton non atr qm upload**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-8** |
| **Start - End Dates:** | **4/07/2025 - 7/24/2025** |
| **Deal Loan Count:** | **46** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *46* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 |
| **Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 833508 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9996.44 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 11000.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 836174 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2152.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2450.00 | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) |
| 836990 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 5+ Units | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 8.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9120.25 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 9040.00 | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - Unknown | DSCR - w/lease agreement - Unknown | (No Data) | (No Data) |
| 837236 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5622.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2530.00 | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 837302 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10927.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7800.00 | No | (No Data) | 0.71 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 837306 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3577.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5040.00 | No | (No Data) | 1.41 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 837634 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -26641.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2000.00 | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 837639 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5472.18 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2250.00 | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 837859 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3468.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4751.00 | No | (No Data) | 1.37 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 838082 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 8.9572 | No | No | 2.738 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.55 | 47.61 | 48.55 | 47.61 | 47.61 | 47.61 | No | No | (No Data) | 7898 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 838265 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3484.71 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3750.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 838267 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1993.96 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 838269 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3165.44 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 838278 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1690.14 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 838302 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6242.21 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 6826.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 838345 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2667.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 838364 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.7309 | Yes | Yes | 0.603 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.08 | 28.46 | 28.08 | 28.46 | 28.46 | 28.46 | No | No | (No Data) | 28660.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) |
| 839397 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 2 | 9.4327 | Yes | No | 3.015 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.32 | 0 | 34.32 | 34.32 | 34.32 | (No Data) | (No Data) | (No Data) | 14137.66 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 30 | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 30 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) |
| 839587 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.7778 | Yes | Yes | 2.156 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.4 | 24.63 | 27.4 | 24.63 | 24.63 | 24.63 | No | No | (No Data) | 48695.03 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 60 | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) |
| 839604 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 11.1593 | Yes | Yes | 4.134 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.24 | 34.38 | 38.24 | 34.38 | 34.38 | 34.38 | No | No | (No Data) | 9648.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) |
| 839633 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3995.7 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 839634 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2231.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 839642 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14738.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 0.81 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 839644 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3398.38 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 839645 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1420.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 2.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 839680 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2889.04 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 839682 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5002.83 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2950.00 | No | (No Data) | 0.59 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 839684 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2641.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7048.00 | No | (No Data) | 2.67 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 839837 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.91 | 0 | 47.91 | 47.91 | 47.91 | (No Data) | (No Data) | (No Data) | 23918.83 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) |
| 839888 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1543.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.56 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 839889 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 9.0854 | Yes | Yes | 1.671 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.56 | 31.52 | 30.56 | 31.52 | 31.52 | 31.52 | No | No | (No Data) | 17904.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 839900 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8298 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1656.42 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 839901 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2761.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 839903 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2347.97 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 839904 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2847.04 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 839927 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8724 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1539.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 840049 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8293 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1761.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 840065 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8293 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1494.75 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1675.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 840255 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1639.71 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 840612 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4618.39 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3520.00 | No | (No Data) | 0.76 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 840640 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6909 | No | No | 2.926 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.56 | 43.34 | 47.56 | 43.34 | 43.34 | 43.34 | No | No | (No Data) | 4595.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) |
| 840713 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9150 | Yes | Yes | 1.093 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.79 | 36.77 | 39.79 | 36.77 | 36.77 | 36.77 | No | No | (No Data) | 14555.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 17 months | (No Data) | (No Data) | (No Data) |
| 840902 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9463 | Yes | Yes | 2.735 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.73 | 39.73 | 39.73 | 39.73 | 39.73 | 39.73 | No | No | (No Data) | 5774.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 29 months | (No Data) | (No Data) | (No Data) |
| 841008 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4244 | Yes | Yes | 0.171 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.27 | 37.27 | 37.27 | 37.27 | 37.27 | 37.27 | No | No | (No Data) | 16553.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) |
| 842096 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.31 | 0 | 49.31 | 49.31 | 49.31 | (No Data) | (No Data) | (No Data) | 12333.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) |
| 842949 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0060 | No | Yes | 1.425 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.97 | 43.89 | 41.97 | 43.89 | 43.89 | 43.89 | Yes | Yes | Yes | 19919.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) |

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©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.33

**EXHIBIT 99.33**

**clayton rating agency grades report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-8** |
| **Start - End Dates:** | **4/07/2025 - 7/24/2025** |
| **Deal Loan Count:** | **46** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *46* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Loan Property Valuations Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 833508 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 836174 | No | xxxxxx | Not Applicable C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 836990 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837236 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837302 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A |
| 837306 | No | xxxxxx | xxxxxx C B A | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A |
| 837634 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837639 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837859 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838082 | Yes | xxxxxx | xxxxxx D A C | A | A D C | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D C | A | A D C | A | A |
| 838265 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838267 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 838269 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838278 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838302 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838345 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838364 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 839397 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 839587 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 839604 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | A | A B | A | A |
| 839633 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839634 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839642 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839644 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 839645 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839680 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839682 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 839684 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839837 | No | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | C | A | A | A C | A | A C | A | A |
| 839888 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839889 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 839900 | No | xxxxxx | xxxxxx D A | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A |
| 839901 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839903 | No | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A |
| 839904 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839927 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 840049 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 840065 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 840255 | No | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 840612 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840640 | Yes | xxxxxx | xxxxxx D A | C | A D | C | A | D | A | D | A | A | A | C | A D | C | A D | C | A |
| 840713 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 840902 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A |
| 841008 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842096 | No | xxxxxx | xxxxxx D A | A | A D | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D | A | A D | A | A |
| 842949 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.34

**EXHIBIT 99.34**

**clayton valuations summary**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-8 |
| **Start - End Dates:** | 4/07/2025 - 7/24/2025 |
| **Deal Loan Count:** | 46 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *46* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 833508 | xxxxxx | xxxxxx | xxxxxx | 02/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 836174 | xxxxxx | $0.00 | xxxxxx | 03/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 836990 | xxxxxx | $0.00 | xxxxxx | 03/24/2025 | xxxxxx | Freddie Mac Form 71A |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/22/2025 | xxxxxx | xxxxxx | -1.19% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 837236 | xxxxxx | $0.00 | xxxxxx | 04/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 837302 | xxxxxx | $0.00 | xxxxxx | 05/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 837306 | xxxxxx | xxxxxx | xxxxxx | 04/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 837634 | xxxxxx | $0.00 | xxxxxx | 04/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 837639 | xxxxxx | $0.00 | xxxxxx | 04/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 837859 | xxxxxx | xxxxxx | xxxxxx | 04/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 05/07/2025 | xxxxxx | xxxxxx | 0.34% | xxxxxx | 95 | xxxxxx | 05/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 838082 | xxxxxx | $0.00 | xxxxxx | 05/06/2025 | xxxxxx | Automated Valuation Model | xxxxxx | 85 |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 06/18/2025 | xxxxxx | xxxxxx | -2.23% | xxxxxx | 93 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | Other | 06/07/2025 | xxxxxx | xxxxxx | -3.96% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 838265 | xxxxxx | xxxxxx | xxxxxx | 04/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 838267 | xxxxxx | xxxxxx | xxxxxx | 04/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 838269 | xxxxxx | xxxxxx | xxxxxx | 04/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/28/2025 | xxxxxx | xxxxxx | 1.27% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 838278 | xxxxxx | $0.00 | xxxxxx | 04/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 838302 | xxxxxx | xxxxxx | xxxxxx | 04/22/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/01/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 838345 | xxxxxx | xxxxxx | xxxxxx | 05/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 05/14/2025 | xxxxxx | xxxxxx | 6.39% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 838364 | xxxxxx | $0.00 | xxxxxx | 05/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 839397 | xxxxxx | $0.00 | xxxxxx | 04/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 839587 | xxxxxx | $0.00 | xxxxxx | 05/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839604 | xxxxxx | $0.00 | xxxxxx | 04/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 05/22/2025 | xxxxxx | xxxxxx | -2.55% | xxxxxx | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 839633 | xxxxxx | $0.00 | xxxxxx | 05/09/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/15/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 839634 | xxxxxx | $0.00 | xxxxxx | 04/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 05/13/2025 | xxxxxx | xxxxxx | -4.96% | xxxxxx | 92 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 839642 | xxxxxx | $0.00 | xxxxxx | 05/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/14/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 839644 | xxxxxx | $0.00 | xxxxxx | 05/01/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839645 | xxxxxx | $0.00 | xxxxxx | 03/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839680 | xxxxxx | xxxxxx | xxxxxx | 05/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839682 | xxxxxx | xxxxxx | xxxxxx | 05/16/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 839684 | xxxxxx | $0.00 | xxxxxx | 12/13/2024 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 839837 | xxxxxx | xxxxxx | xxxxxx | 05/09/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 839888 | xxxxxx | xxxxxx | xxxxxx | 05/05/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 839889 | xxxxxx | $0.00 | xxxxxx | 05/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 839900 | xxxxxx | xxxxxx | xxxxxx | 05/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839901 | xxxxxx | xxxxxx | xxxxxx | 05/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 839903 | xxxxxx | $0.00 | xxxxxx | 05/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 05/20/2025 | xxxxxx | xxxxxx | -7.09% | xxxxxx | 93 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 839904 | xxxxxx | $0.00 | xxxxxx | 05/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 06/17/2025 | xxxxxx | xxxxxx | 33.95% | xxxxxx | 89 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839927 | xxxxxx | xxxxxx | xxxxxx | 04/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/29/2025 | xxxxxx | xxxxxx | -3.90% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 840049 | xxxxxx | xxxxxx | xxxxxx | 05/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 840065 | xxxxxx | xxxxxx | xxxxxx | 05/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 840255 | xxxxxx | $0.00 | xxxxxx | 04/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 840612 | xxxxxx | $0.00 | xxxxxx | 05/23/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 840640 | xxxxxx | $0.00 | xxxxxx | 04/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 840713 | xxxxxx | xxxxxx | xxxxxx | 06/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 840902 | xxxxxx | xxxxxx | xxxxxx | 06/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 841008 | xxxxxx | xxxxxx | xxxxxx | 06/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842096 | xxxxxx | $0.00 | xxxxxx | 05/21/2025 | xxxxxx | Automated Valuation Model | xxxxxx | 93 |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 07/08/2025 | xxxxxx | xxxxxx | -5.91% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 842949 | xxxxxx | $0.00 | xxxxxx | 06/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.4 |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.35

**EXHIBIT 99.35**

**eVOLVE MORTGAGE Services, llc ("Evolve") executive summary**

![](tm2524220d1_ex99-35img004.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

Executive Summary

Verus 2025-8

Dated: August 22 , 2025

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](tm2524220d1_ex99-35img002.jpg)

Forward Thinking. Seamless Solutions.

------

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by VMC Asset Pooler, LLC ("Client"). The Review was conducted via imaged files provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 32 loans, consisting of 27 Residential Loans and 5 Business Purpose loans, totaling an aggregate original principal balance of approximately $13,249,091.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Kroll Bond Rating Agency, LLC (KBRA) and S&P Global Ratings, the nationally recognized statistical rating organizations ("NRSROs") identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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| | | |
|:---|:---|:---|
| ![](tm2524220d1_ex99-35img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](tm2524220d1_ex99-35img002.jpg)

Forward Thinking. Seamless Solutions.

------

Additional information about the data integrity review is included below.

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

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

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

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

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

**Debt Service Coverage ratio (DSCR):** Evolve calculated and determined DSCR as required by guidelines.

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

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| | | |
|:---|:---|:---|
| ![](tm2524220d1_ex99-35img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](tm2524220d1_ex99-35img002.jpg)

Forward Thinking. Seamless Solutions.

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**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (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, (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, Evolve verified that DU findings included an approved/eligible 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:** Evolve 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, Evolve 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 for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

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| | | |
|:---|:---|:---|
| ![](tm2524220d1_ex99-35img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](tm2524220d1_ex99-35img002.jpg)

Forward Thinking. Seamless Solutions.

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If a report was present, Evolve 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, Evolve 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:** Evolve'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:** Evolve 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.

Additionally, Evolve 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) DTI ratios and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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| | | |
|:---|:---|:---|
| ![](tm2524220d1_ex99-35img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](tm2524220d1_ex99-35img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

With regard to the use of comparable properties, Evolve's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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 Evolve'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 Evolve or if it was not directly accessible that another valuation product that was directly accessible to Evolve was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, Evolve confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Evolve created an exception.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;84.38% | &nbsp;&nbsp;27 | &nbsp;&nbsp;84.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;5 | &nbsp;&nbsp;15.63% | &nbsp;&nbsp;5 | &nbsp;&nbsp;15.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;65.63% | &nbsp;&nbsp;21 | &nbsp;&nbsp;65.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;34.38% | &nbsp;&nbsp;11 | &nbsp;&nbsp;34.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |

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| ![](tm2524220d1_ex99-35img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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**Overall Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;65.63% | &nbsp;&nbsp;21 | &nbsp;&nbsp;65.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;34.38% | &nbsp;&nbsp;11 | &nbsp;&nbsp;34.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;32 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;32 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;25 | &nbsp;&nbsp;32 | &nbsp;&nbsp;78.13% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;4 | &nbsp;&nbsp;32 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;32 | &nbsp;&nbsp;9.38% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;7 | &nbsp;&nbsp;32 | &nbsp;&nbsp;21.88% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;3 | &nbsp;&nbsp;32 | &nbsp;&nbsp;9.38% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;32 | &nbsp;&nbsp;9.38% |

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| ![](tm2524220d1_ex99-35img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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**APPENDIX A**

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

 ****

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

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

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

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**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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|:---|:---|:---|
| | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable
 HUD form was provided;

ii) determination that the loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed
 on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of
 the Servicing Disclosure Statement form in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of
 the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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| ![](tm2524220d1_ex99-35img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation
 to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation agreement
 and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement and/or
 governing policies and procedures, Evolve's review was limited to formal general statements of entity compliance provided by
 the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan
 originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms
 of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of
 the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor
 financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of
 loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or
 loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor
 provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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Forward Thinking. Seamless Solutions.

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**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to
 Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard
 mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM)
 (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24
 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified
 mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the
 right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

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iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSROs grade.

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Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of
 LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written
 estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of
 CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of
 Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

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## Exhibit 99.36

**EXHIBIT 99.36**

**Evolve exception detail**

![](tm2524220d1_ex99-36img001.jpg)

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| **Exception Detail** |
| **Run Date - 08/13/2025 1:15:05 PM** |

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 833560 | xxxxxx | 7140950 | xxxxxx | 04/07/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Documentation to clear fraud alert missing from file Seller #2. | Received Cleared xxxxxx |  |  | 04/09/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 833560 | xxxxxx | 7140951 | xxxxxx | 04/07/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of Borrower's Primary residence in xxxxxx free and clear or verification of mortgage history. | Received property documents and translation |  |  | 04/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 833560 | xxxxxx | 7140952 | xxxxxx | 04/07/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit Reference letter incomplete xxxxxx is missing verification of 2-year history with no lates and verification account is in good standing. | Letter states borrower has been a customer since xxxxxx. |  |  | 05/16/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 838193 | xxxxxx | 7152271 | xxxxxx | 05/19/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | EXCEPTION Tips & Gratuity income may be verified using bank statement analysis (24 months) |  | Client Waived with Compensating Factors: LTV of 76.69% where the max allowed is 85%, 23% cash down totaling $83,017, 0\*30\*12 current rental housing payment history. |  |  |  | 05/19/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Non-QM | 1 |
| xxxxxx | 838193 | xxxxxx | 7152272 | xxxxxx | 05/19/2025 | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | \*1003 does not have 2 years of employment history. Updated 1003 to include a full 2 years of employment history. Additional conditions may appy | Income based on 12.367 month average with approval. Underwriting analysis detailing income calculation provided. |  | Client 05/20/2025 01:44 PM; Income based on 12.367 month average with approval. See uploaded underwriting analysis detailing income calculation. xxxxxx. <br>Reviewer 05/20/2025 02:01 PM; Condition has been cleared. xxxxxx<br>| 05/20/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Non-QM | 1 |
| xxxxxx | 838193 | xxxxxx | 7152273 | xxxxxx | 05/19/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | \*2024 W-2 or 1005 is missing from this file for the borrower's employer at xxxxxx. This documentation is needed to correctly calculate hourly income for the borrower at xxxxxx. Additional conditions may apply. |  | Client Waived with Compensating Factors: LTV of 76.69% where the max allowed is 85%, 23% cash down totaling $83,017, 0\*30\*12 current rental housing payment history. | Client 05/20/2025 01:42 PM; Per loan approval, Exception approved by xxxxxx to use 12 months bank statements for tips and xxxxxx income - xxxxxx, at 5% expense factor. xxxxxx. <br>|  |  | 08/13/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Non-QM | 1 |
| xxxxxx | 838193 | xxxxxx | 7152274 | xxxxxx | 08/11/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The borrower's reserves of 3.66 months does not meet the minimum requirement of 6 months reserves. |  | Client Waived with Compensating Factors: LTV of 76.69% where the max allowed is 85%, 23% cash down totaling $83,017, 0\*30\*12 current rental housing payment history. |  |  |  | 08/11/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Non-QM | 1 |
| xxxxxx | 838198 | xxxxxx | 7151582 | xxxxxx | 04/14/2025 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Deed of Trust/Mortgage reflected a notary acknowledgement that contained a date line; however, the date line was not completed. Provide Deed of Trust/Mortgage with notary information and a Letter of Intent to Re-record. | Information provided |  |  | 04/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | C | A |  | Non-QM | 1 |
| xxxxxx | 838198 | xxxxxx | 7151583 | xxxxxx | 04/18/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Min expense factor for xxxxxx = 75%. Using 65% expense factor. |  | Client Waived with Compensating Factors: 0\*30\*81 mortgage payment history, 18.26 months reserves when only 6 months required, putting down 43K of own funds. |  |  |  | 04/18/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | C | A |  | Non-QM | 1 |
| xxxxxx | 838194 | xxxxxx | 7141505 | xxxxxx | 04/21/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence xxxxxx used to payoff xxxxxx loan was not borrowers or new debt to be included in DTI | Took the xxxxxx $510 and subtracted it from the borrower cash to close. Borrower has $165,050 in funds after closing. Included the debt into the DTI calculation |  | Client 04/29/2025 01:45 PM; Took the Affirmed $510 and subtracted it from the borrower cash to close. Bwr has $165,050 in funds after closing. Included the debt into the DTI calculation in updated approval. <br>Reviewer 04/29/2025 02:08 PM; Condition has been reviewed. xxxxxx<br>| 04/29/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Non-QM | 1 |
| xxxxxx | 838194 | xxxxxx | 7141506 | xxxxxx | 04/21/2025 | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | Satisfactory evidence of funds used to payoff xxxxxx did not incur additional debt | Verified funds $154,212.00 more than enough funds have been verified |  |  | 04/29/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Non-QM | 1 |
| xxxxxx | 838194 | xxxxxx | 7141507 | xxxxxx | 04/21/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Satisfactory evidence borrower is 100% owner of xxxxxx | xxxxxx Income documentation in file confirms borrower is sole agent and member |  | Client 04/22/2025 05:03 PM; xxxxxx Income documentation in file confirms borrower is sole agent and member. xxxxxx. <br>Reviewer 04/23/2025 11:22 AM; Condition has been reviewed. xxxxxx<br>| 04/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Non-QM | 1 |
| xxxxxx | 838194 | xxxxxx | 7141508 | xxxxxx | 04/21/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Self Employment Questionnaire to be dated with in 90 days of note date xxxxxx | When SEQ is undated, xxxxxx uses the file start date. File start date is xxxxxx. |  | Client 04/22/2025 04:58 PM; When SEQ is undated, we the file start date. File start date is xxxxxx. xxxxxx. <br>Reviewer 04/23/2025 11:21 AM; Condition has been reviewed. xxxxxx<br>| 04/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Non-QM | 1 |
| xxxxxx | 838200 | xxxxxx | 7141509 | xxxxxx | 05/14/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Need updated approval removing the exception/guideline deviation, borrowers are receiving cash back less than $350K. | Received revised approval |  |  | 05/16/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Non-QM | 1 |
| xxxxxx | 838197 | xxxxxx | 7152275 | xxxxxx | 05/19/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan is below minimum loan amount of $150,000.00 at xxxxxx |  | Client Waived with Compensating Factors: Low LTV of 23.932%; Excellent credit FICO is 790; Low DTI at 39.850%; Reserves of $35,287.77 and high downpayment of $445K. |  |  |  | 05/19/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 838197 | xxxxxx | 7152276 | xxxxxx | 05/19/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing approval for payment shock, as the borrower's previous primary was free and clear. |  | Client Waived with Compensating Factors: Low LTV of 23.932%; Excellent credit FICO is 790; Low DTI at 39.850%; Reserves of $35,287.77 and high downpayment of $445K. |  |  |  | 08/13/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 837693 | xxxxxx | 7151564 | xxxxxx | 05/18/2025 | Credit | Closing Package |  | Closing Package - |  | The Guarantor Agreement was not found in the file. Provide Agreement. | Information provided |  |  | 05/19/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 837693 | xxxxxx | 7151565 | xxxxxx | 08/11/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The DSCR of 0.63 is less than 1.0 and requires management approval. |  | Client Waived with Compensating Factors: LTV of 58% where the max allowed is 75%, 171.58 months reserves when only 6 months required, 0\*30\*58 current mortgage payment history. |  |  |  | 08/11/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 839714 | xxxxxx | 7152288 | xxxxxx | 05/28/2025 | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | Seller credit of $146806.20 exceeds closing cost of $115286.53. |  | Client Waived with Compensating Factors: Residual income of $19,733.65 exceeds the minimum required of $1500, Reserves of 44.24 months after closing where only 6 months were required. DTI of 36.171% where the maximum allowed is 50%. | Client 05/28/2025 03:34 PM; Approval for the seller credit already reflected on the loan approval in file. xxxxxx. <br>Reviewer 05/28/2025 04:16 PM; Condition has been reviewed. xxxxxx<br>|  |  | 08/13/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| xxxxxx | 839714 | xxxxxx | 7152289 | xxxxxx | 05/28/2025 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Title needs to be updated with the correct loan amount of xxxxxx. | Received revised title |  |  | 06/01/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| xxxxxx | 839716 | xxxxxx | 7143585 | xxxxxx | 05/27/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | 2 years transcripts missing for B1 |  | Client Waived with Compensating Factors: Residual income of $4,891.65 exceeds the minimum required of $1750, Reserves of 25.57 months after closing where only 6 months were required. DTI of 41.775% where the maximum allowed is 50%. | Client 05/27/2025 04:08 PM; The Work Number used in lieu of transcripts. xxxxxx.<br>Reviewer 05/27/2025 07:03 PM; Condition has been reviewed. xxxxxx<br>|  |  | 08/13/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| xxxxxx | 839716 | xxxxxx | 7143586 | xxxxxx | 05/27/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | 2 years transcripts missing for B2 |  | Client Waived with Compensating Factors: Residual income of $4,891.65 exceeds the minimum required of $1750, Reserves of 25.57 months after closing where only 6 months were required. DTI of 41.775% where the maximum allowed is 50%. | Client 05/27/2025 04:08 PM; The xxxxxx used in lieu of transcripts. xxxxxx.<br>Reviewer 05/27/2025 07:03 PM; Condition has been reviewed. xxxxxx<br>|  |  | 08/13/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| xxxxxx | 839717 | xxxxxx | 7143587 | xxxxxx | 05/30/2025 | Compliance | Right to Cancel |  | Right to Cancel - Other: |  | The subject loan was a refinance with a new lender; however, the H-9 Right to Cancel form was used. | Updated documentation provided. |  | Client 06/04/2025 12:10 PM; xxxxxx, in all previous scenarios where a new RTC has been needed, we have not had to provide a signed copy of the updated RTC. We will confirm at the end of the RTC period that the borrowers did not cancel. xxxxxx.<br>Reviewer 06/04/2025 12:13 PM; <br>Reviewer 06/05/2025 10:47 AM; xxxxxx;<br> This has been cleared. <br>xxxxxx<br>| 06/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 839718 | xxxxxx | 7151584 | xxxxxx | 05/29/2025 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | The Mortgage reflected the subject property was in xxxxxx county; however, the legal description reflected the subject property was in xxxxxx county. Please provide updated Deed of Trust and a Letter of Intent to Re-record. | documents received |  | Client 06/03/2025 01:59 PM; Confirmed with Title company that Deed is ok to proceed with as is. xxxxxx. <br>Reviewer 06/03/2025 02:52 PM; <br>Reviewer 06/04/2025 01:04 PM; xxxxxx <br> This has been waived. <br>xxxxxx <br>| 06/04/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C B | C | A |  | Non-QM | 1 |
| xxxxxx | 839718 | xxxxxx | 7151585 | xxxxxx | 05/30/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower has not been self-employed for 2+ years. Self-employed since 4/1/24 |  | Client Waived with Compensating Factors: Residual income of $16066.29 exceeds the minimum required of $1750, Borrower in same profession for 30+ years. DTI of 19.583% where the maximum allowed is 50%. Reserves of 219.9 months after closing where only 6 months were required. |  |  |  | 05/30/2025 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | C | A |  | Non-QM | 1 |
| xxxxxx | 839719 | xxxxxx | 7143590 | xxxxxx | 06/04/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | The borrower does not have 2 active tradelines. Need xxxxxx approval for not meeting minimum active tradeline requirement. | Page 55 of the guidelines shows xxxxxx allows for using rental history as a tradeline. Loan approval provided with additional clarity regarding the tradelines |  | Client 06/05/2025 11:55 AM; Page 55 of the guidelines shows we allow for using rental history as a tradeline. Provided updated loan approval with additional clarity regarding the tradelines. xxxxxx. <br>Reviewer 06/05/2025 01:17 PM; Condition has been reviewed. xxxxxx<br>| 06/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Non-QM | 1 |
| xxxxxx | 839723 | xxxxxx | 7151586 | xxxxxx | 06/09/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-Development be turned over to the homeowners. Deviation Request-Management approval to proceed with deal know that developer has xxxxxx units they plan to rent out. |  | Client Waived with Compensating Factors: Residual income of $6469 exceeds the minimum required of $1500, Borrower has been employed at current job for 22 years, 0\*30 mortgage history on the primary residence for the past 44 months and 730 fico score where the minimum required is 700. |  |  |  | 06/09/2025 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 839725 | xxxxxx | 7144417 | xxxxxx | 06/02/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing voe's for both borrowers. | Received 10 day VVOE's |  |  | 06/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | A | A |  | Non-QM | 1 |
| xxxxxx | 839726 | xxxxxx | 7143596 | xxxxxx | 06/02/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 06/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 839726 | xxxxxx | 7143597 | xxxxxx | 06/02/2025 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | For CD issued xxxxxx. | Documentation provided |  |  | 06/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 840219 | xxxxxx | 7151591 | xxxxxx | 06/12/2025 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Title needs to be updated with the correct loan amount of xxxxxx. | Received revised title |  |  | 06/13/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 840219 | xxxxxx | 7151592 | xxxxxx | 08/11/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The borrower did not have any open credit tradelines and provided three reference letters in lieu of the three credit tradelines required per guidelines. |  | Compensating Factors-LTV of 40.90% where the maximum is 75% and 121 months reserves where only 12 months were required |  |  |  | 08/11/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 841002 | xxxxxx | 7151594 | xxxxxx | 06/24/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum loan amount is $1M, loan amount is xxxxxx |  | Client Waived with Compensating Factors: 43.86 months reserves when only 6 months required, 0\*30\*18 current mortgage payment history, 19+ years on job |  |  |  | 06/24/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 841002 | xxxxxx | 7151595 | xxxxxx | 06/24/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum LTV for a cash out is 75%. Loan is 80% LTV |  | Client Waived with Compensating Factors: 43.86 months reserves when only 6 months required, 0\*30\*18 current mortgage payment history, 19+ years on job |  |  |  | 06/24/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 841109 | xxxxxx | 7144872 | xxxxxx | 06/26/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval needs to be updated to reflect the correct income for borrower. Loan approval currently shows borrower income as $5500 and it is $9047.00. | Received approval with correct total income |  |  | 06/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Non-QM | 1 |
| xxxxxx | 841868 | xxxxxx | 7151598 | xxxxxx | 07/09/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines-Max cash out is $500k. Deviation Request-Borrower is receiving $xxxxxx. |  | Client Waived with Compensating Factors: Residual income of $11,945.34 exceeds the minimum required of $1750, Reserves of 218.87 months after closing where only 6 months were required. DTI of 31.566% where the maximum<br> allowed is 50%.  |  |  |  | 07/09/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |

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## Exhibit 99.37

**EXHIBIT 99.37**

**Evolve rating agency grades**

![](tm2524220d1_ex99-37img001.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 08/13/2025 1:15:05 PM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| xxxxxx | 838193 | xxxxxx | xxxxxx D | A | A | A | A | A D B | A | A | A | A | A B |
| xxxxxx | 838198 | xxxxxx | xxxxxx C | C | C | C | C | C A B | A | A | A | A | A B |
| xxxxxx | 838199 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 833560 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 838194 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 838195 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 838200 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 838203 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 838201 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 838204 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 838196 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 839713 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 839714 | xxxxxx | xxxxxx D | A | A | A | A | A D B | A | A | A | A | A B |
| xxxxxx | 839715 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 838197 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 837693 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 839716 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 838202 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 839717 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 840219 | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 839718 | xxxxxx | xxxxxx C | C | C | C | C | C A B | A | A | A | A | A B |
| xxxxxx | 839719 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 839720 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 839722 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 839723 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 839725 | xxxxxx | xxxxxx D | A | A | A | A | A D | A | A | A | A | A |
| xxxxxx | 841003 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 841002 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 839726 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 841109 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 841871 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 841868 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**Evolve data compare**

![](tm2524220d1_ex99-38img001.jpg)

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| |
|:---|
| **Data Compare** |
| **Run Date - 08/11/2025 12:34:34 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 838193 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with loan approval |
| xxxxxx | 838198 | xxxxxx | Doc Type | Alternative | Bank Statement | Same |
| xxxxxx | 838198 | xxxxxx | Property Zip | xxxxxx | xxxxxx | cldd matches original data |
| xxxxxx | 838199 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with the loan approval. |
| xxxxxx | 833560 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with loan approval |
| xxxxxx | 833560 | xxxxxx | Self-Employment Flag |  | N | Stated/Not Verified |
| xxxxxx | 838194 | xxxxxx | Doc Type | Alternative | Bank Statement | bkst |
| xxxxxx | 838194 | xxxxxx | Property Type | PUD | Single Family | confirmed with appraisal |
| xxxxxx | 838195 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with the loan approval. |
| xxxxxx | 838200 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with final approval. |
| xxxxxx | 838201 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with loan approval |
| xxxxxx | 838204 | xxxxxx | Doc Type | FullDocumentation | Asset Depletion | Verified with final approval |
| xxxxxx | 838196 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with the loan approval. |
| xxxxxx | 838196 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified with the appraisal. |
| xxxxxx | 838196 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 839713 | xxxxxx | Doc Type | Alternative | Bank Statement | 24 mo Bank Statement |
| xxxxxx | 839713 | xxxxxx | Qualifying DTI | 0.45816 | 0.40897 | Actual debt minus installment <10 and business paid |
| xxxxxx | 839714 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified with the appraisal. |
| xxxxxx | 839714 | xxxxxx | Original CLTV | 0.691940 | 0.647483 | Audited data is with the correct appraisal value. |
| xxxxxx | 839714 | xxxxxx | Original LTV | 0.691940 | 0.647483 | Audited data is with the correct appraisal value. |
| xxxxxx | 839715 | xxxxxx | DSCR | 0.434 |  | This is an owner occupied purchase loan. |
| xxxxxx | 839715 | xxxxxx | PITI | 8290.05 | 8185.47 | verified |
| xxxxxx | 839715 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 838197 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with income documentation |
| xxxxxx | 838197 | xxxxxx | PITI | 931.33 | 1381.05 | Bid Tape is Principal and Interest and Audited is Principal, Interest, Taxes and Insurance. |
| xxxxxx | 837693 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | DSCR loan |
| xxxxxx | 837693 | xxxxxx | Property Zip | xxxxxx | xxxxxx | cldd matches original data |
| xxxxxx | 837693 | xxxxxx | Self-Employment Flag |  | N | Not required |
| xxxxxx | 839716 | xxxxxx | PITI | 2342.67 | 2944.67 | include taxes, Ins and HOA dues |
| xxxxxx | 839716 | xxxxxx | Property Type | Attached | Condo-Lo 1-4 Stories | Verified |
| xxxxxx | 838202 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with loan approval |
| xxxxxx | 839717 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with loan approval |
| xxxxxx | 840219 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with the loan approval. |
| xxxxxx | 839718 | xxxxxx | Doc Type | Alternative | Bank Statement | 12 mo Bank Statement |
| xxxxxx | 839719 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with income documentation and final approval |
| xxxxxx | 839720 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with the loan approval. |
| xxxxxx | 839722 | xxxxxx | Doc Type | Alternative | Bank Statement | \* This loan transaction is a 24 month Bank Statement Loan Transaction per Loan Approval & Program ID |
| xxxxxx | 839725 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 841003 | xxxxxx | Doc Type | Alternative | Bank Statement | verified |
| xxxxxx | 841003 | xxxxxx | Qualifying DTI | 0.47232 | 0.47233 | Verified |
| xxxxxx | 841003 | xxxxxx | Property Zip | xxxxxx | xxxxxx | cldd matches original data |
| xxxxxx | 841002 | xxxxxx | Doc Type | Alternative | Bank Statement | 12 mo bank statement |
| xxxxxx | 839726 | xxxxxx | Doc Type | Alternative | Bank Statement | verified |
| xxxxxx | 839726 | xxxxxx | Qualifying DTI | 0.47810 | 0.49367 | verified |
| xxxxxx | 841109 | xxxxxx | Doc Type | Alternative | Bank Statement | Verifoed with the loan approval. |
| xxxxxx | 841871 | xxxxxx | DSCR | 0.691 |  | Not a DSCR loan |
| xxxxxx | 841871 | xxxxxx | Property Type | HighRiseCondominium | Condo Hotel | Condotel |
| xxxxxx | 841868 | xxxxxx | Doc Type | FullDocumentation | Asset Utilization | Verified with the loan approval. |
| xxxxxx | 841868 | xxxxxx | PITI | 4834.73 | 8715.66 | Less HOA |
| xxxxxx | 841868 | xxxxxx | Property Zip | xxxxxx | xxxxxx | Original data is correct per note |
| xxxxxx | 841868 | xxxxxx | Self-Employment Flag | Y | N | No required for the loan program. |

---

## Exhibit 99.39

**EXHIBIT 99.39**

**Evolve qm atr data**

![](tm2524220d1_ex99-39img001.jpg)

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| |
|:---|
| **QM ATR Data** |
| **Run Date - 08/11/2025 12:34:34 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 838193 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $7905.73 | xxxxxx | 8.151% | Self-Employed |  | US Citizen |  |  |  | Yes | $3322.27 |
| xxxxxx | 838198 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 8.445% | Self-Employed |  | US Citizen |  |  |  | Yes | $3470.97 |
| xxxxxx | 838199 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $13811.88 | xxxxxx | 8.783% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13236.85 |
| xxxxxx | 833560 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | Foreign National |  |  |  | No |  |
| xxxxxx | 838194 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $18901.80 | xxxxxx | 8.227% | Self-Employed |  | US Citizen |  |  |  | Yes | $6010.76 |
| xxxxxx | 838195 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $7952.39 | xxxxxx | 7.894% | Self-Employed |  | US Citizen |  |  |  | Yes | $3532.92 |
| xxxxxx | 838200 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $15713.40 | xxxxxx | 8.141% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $32100.76 |
| xxxxxx | 838203 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $9106.13 | xxxxxx | 8.386% | Employed |  | US Citizen |  |  |  | Yes | $9416.04 |
| xxxxxx | 838201 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $7632.50 | xxxxxx | 8.508% | Self-Employed |  | US Citizen |  |  |  | Yes | $3994.39 |
| xxxxxx | 838204 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $0.00 | xxxxxx | 7.748% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $8125.15 |
| xxxxxx | 838196 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 7.806% | Self-Employed |  | US Citizen |  |  |  | Yes | $8437.57 |
| xxxxxx | 839713 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $9053.42 | xxxxxx | 8.206% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6883.25 |
| xxxxxx | 839714 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $18446.67 | xxxxxx | 7.558% | Employed |  | US Citizen |  |  |  | Yes | $19733.65 |
| xxxxxx | 839715 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 7.876% | Self-Employed |  | US Citizen |  |  |  | Yes | $9121.09 |
| xxxxxx | 838197 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $3995.00 | xxxxxx | 7.46% | Self-Employed |  | US Citizen |  |  |  | Yes | $2231.00 |
| xxxxxx | 837693 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 839716 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $9127.50 | xxxxxx | 8.156% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $4891.65 |
| xxxxxx | 838202 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $9810.63 | xxxxxx | 9.543% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $16174.88 |
| xxxxxx | 839717 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $6895.55 | xxxxxx | 7.835% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $4253.94 |
| xxxxxx | 840219 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| xxxxxx | 839718 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 8.708% | Self-Employed |  | US Citizen |  |  |  | Yes | $16066.29 |
| xxxxxx | 839719 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $5870.92 | xxxxxx | 7.281% | Self-Employed |  | US Citizen |  |  |  | Yes | $3871.59 |
| xxxxxx | 839720 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 7.956% | Self-Employed | Self-Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $6820.85 |
| xxxxxx | 839722 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 7.848% | Self-Employed |  | US Citizen |  |  |  | Yes | $5818.50 |
| xxxxxx | 839723 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $5558.75 | xxxxxx | 9.371% | Employed |  | US Citizen |  |  |  | Yes | $6469.88 |
| xxxxxx | 839725 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 8.182% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8428.49 |
| xxxxxx | 841003 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $8097.08 | xxxxxx | 9.78% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $4293.15 |
| xxxxxx | 841002 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $36280.00 | xxxxxx | 8.337% | Self-Employed |  | US Citizen |  |  |  | Yes | $18185.85 |
| xxxxxx | 839726 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 8.201% | Self-Employed |  | US Citizen |  |  |  | Yes | $4590.76 |
| xxxxxx | 841109 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $6368.00 | xxxxxx | 8.918% | Self-Employed | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $11767.75 |
| xxxxxx | 841871 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $10992.59 |
| xxxxxx | 841868 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | Yes | $11945.34 |

---

## Exhibit 99.40

**EXHIBIT 99.40**

**Evolve valuation report**

![](tm2524220d1_ex99-40img001.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 08/11/2025 12:34:34 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 839718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250509 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250513 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838195 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250409 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250421 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250505 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250508 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 841002 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250521 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250604 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250409 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250430 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250409 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250517 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 841003 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250520 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250602 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250509 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250519 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250507 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250512 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 841871 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250610 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250613 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838193 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250505 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250508 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250423 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.77% | xxxxxx | B | 20250505 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839714 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250421 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250429 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839716 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250502 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250508 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250320 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250324 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 840219 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250505 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.47% | xxxxxx | A | 20250513 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838204 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250423 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250426 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250429 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250505 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839715 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250504 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250508 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250325 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250409 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250415 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250517 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 839722 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250512 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250515 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250323 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250326 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 841109 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250522 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838203 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250424 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250429 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838201 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250421 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250430 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 833560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250306 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250321 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839717 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250509 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250517 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 838200 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250131 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Reasonable | 20250428 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250417 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 7.57% | xxxxxx | B | 20250508 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 841868 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250623 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 837693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250428 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250505 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---